23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2019 specialized loan servicing LLC reported to my credit that I was behind a payment even though I have never missed a payment I never received a letter letting me know about this problem I was notified by XXXX XXXX I called them to see what was going on they said I was behind {$280.00} but they didn't know why they said they would look into it and after many phone calls and hours and hours on the phone being bounced from one person to another after two months of this I Findlay got a lawyer involved on XXXX me and him were on the phone with with them for a hour and forty eight minutes they still couldn't figure out why I owed the money then a day or two later they sold it too XXXX XXXX XXXX XXXX   and they took over my payments as of XX/XX/2019 but it was reported to them I was behind but they also not informed why so I spoke to them late XXXX early XXXX about this and they said it would take 60 days for them to go over all the stuff they received from previous mortgage company after they looked over everything they didn't have a answer why so they had me send in my proof of payments and they looked in to it now they said they figured it out that specialized loan servicing LLC decided there was not enough money in my escrow account so they took it from a principal payment and put it in to escrow account with know notice to me I never missed a payment I can't see how this was my fault they miss calculated and chose to fix it with out letting me know there was a problem I am XXXX and can't afford to make extra payments for a mistake specialized loan servicing LLC made
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are fraudulent on my following accounts : XXXX XXXX XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX is fraudulent on my Acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$240.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$11.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a response from Transunion stating that the information that was verified came from XXXX XXXX but that is false because XXXX has the information incorrect as well. If Transunion properly investigated TransUnion would have known that and corrected or removed the bankruptcy. So again, the public record that's on file has inaccurate information. The date filed is inaccurate and the type is inaccurate as well. 

According to the FCRA, all information reported must be accurate and complete. Specifically, Section 611 ( 15 U.S.C. 1681i ) outlines the consumer 's right to dispute information on their credit report and mandates that credit reporting agencies conduct a reasonable investigation into any disputed information. Additionally, Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires that credit reporting agencies maintain reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute letter based on removal of inaccuracy and invalidated with all of my student loans on XX/XX/2022. I have not received anything back from the XXXX and Equifax regarding the investigation. I have demand for them to remove this from my credit report based on XXXX XXXX CODE XXXX ( XXXX ) Removal of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Code XXXX ( XXXX ) Compliance procedures maximum possible accuracy.
Product: Debt collection

Synchrony Bank sold my debt to XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The agency has called me multiple times daily, often using different numbers, and has pressured me into an untenable payment arrangement. I attempted to settle my debt in good faith, offering to pay 50 % of the owed amount in four payments. However, the agency pushed me into an unaffordable arrangement of {$1000.00} in two payments. When I tried to renegotiate after realizing I could not meet these terms, they flatly refused any further discussion. 

Despite my efforts to communicate and negotiate reasonably, XXXX has shown no willingness to engage in meaningful discussions. They rejected my attempts to find a solution that would allow me to fulfill my obligations without undue hardship. Instead, they opted to pursue legal action as a means to pressure me into paying the full amount plus additional costs. 

When the agency initiated a lawsuit against me, they refused to mediate, offering only a " best offer '' of full payment plus court costs. This demonstrates their intent to use the legal system not as a means of achieving a fair resolution but as a tool to intimidate and extract the maximum possible payment. Their actions appear to be motivated by a desire to wield the legal system as a hammer, leveraging the threat of a trial to force a settlement on their terms, regardless of my financial situation or ability to pay. 

As a single mother with a young autistic child, the agencys tactics have caused significant emotional and financial distress. I live paycheck to paycheck, and their refusal to negotiate in good faith has made it nearly impossible for me to manage my finances responsibly. Their aggressive pursuit of legal action, rather than seeking an amicable resolution, has further exacerbated this stress. 

I am requesting that the CFPB investigate XXXX for potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding their bad faith negotiations and abuse of the legal process. I ask that the agency be held accountable for its actions and be required to engage in fair and reasonable negotiations to resolve this matter without further abuse of the legal system.
Product: Checking or savings account

XX/XX/2023 it shows that a bank account through Bank of America was opened without my permission or my husband 's permission. We've had a claim filed for id fraud. When we checked our account around XXXX we then checked all of our emails. I had noticed that we received two emails stating an account application was processing and then approved. The information was signed up using one of my email addresses that are not even on my bank account, which is very weird in itself. It seemed that the application was processed around XXXX this morning and approved within the same time frame. I spoke with a representative in the fraud department of the bank and they stated the fraudster used my login information. They ended up deleting the login information and the account that was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with  XXXX  representatives from  Chase Auto Finance  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the last  five  years, but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  Chase  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from Chase showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I saw inaccuracies that I can not explain, and it has left me feeling hopeless. Ive been diligent about monitoring my report, and this came out of nowhere. I refreshed my browser multiple times, praying it was a glitch, but nothing changed. I desperately need you to go through the documents I submitted to ensure this nightmare ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

West lake financia had this item on my credit report as inaccurate. I have been disputung this item on my credit for 3 years now and they will not remove this negative item as not being my account. I have never purchased a vehicle using this company. The information that was presented was not my signature, address or do they have a copy of my license being submitted.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was victim of id was the person was arrested I asked the credit union to give me my money back but they refused I did everything I supposed to do I went to the police I went to the prosecutor and the person was charged and arrested I want my money back and I want it now
Product: Money transfer, virtual currency, or money service

I was attempting to get a medallion signature for my XXXX XXXX annuity claim after his death on XX/XX/21. Not only was I dismissed by XXXX XXXX on multiple occasions, but he was poorly informed and did not provide the assistance needed to get a notary signature. 

I was an intermediary between XXXX XXXX and XXXX financial. This started in XXXX and required XXXX visits to the PNC bank in XXXX XXXX. The issue was that XXXX XXXX insisted on a complete statement from XXXX XXXX showing the annuity was invested in a security. XXXX stated they could not do that and felt that it was unnecessary. I have XXXX XXXX who did not have to go thru this harassment and were able to get their claim satisfied which is why I am reporting XXXX XXXX 's behavior. 

Finally, I was helped by someone other than XXXX XXXX and was able to get a notary signature. I was told by XXXX XXXX  that a medallion signature was not necessary despite XXXX XXXX 's insistence. All that was required was my driver 's license and validation of my signature. 

It has been difficult enough to lose my XXXXXXXX and another to be treated with such disregard. I am XXXX XXXX XXXX and have never filed a complaint against anyone. However, his behavior needs attention and XXXX XXXX needs sensitivity training and reeducation on how to handle annuity claims.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of hard inquiries and negative which includes items not related to me that are listed on my credit report by the Fair Credit Reporting Act, specifically 15 USC 1681. Upon reviewing my credit report, I have identified several hard inquiries and negative items that I believe are either inaccurate or incomplete. Under the Fair Credit Reporting Act, I have the right to dispute any information that does not meet the legal standards for accuracy. I kindly request that you investigate these inquiries and negative items and remove them from my credit report if they are found to be unverifiable or otherwise inaccurate. Please provide me with written confirmation of your findings and any actions taken regarding my request. Your prompt attention to this matter is greatly appreciated. Thank you for your cooperation. Sincerely,
Product: Debt collection

I was way pass due on an account and I called Real TIme resolutions. After making payment arragements with them I asked that when would they report my payments to the Credit reporting agencies she said she would not that they did n't do that. I just made my first payment as agreed upon. Then checking my credit report It said I was late. I called Real Time resolutions and the woman said that it was reported late because I did n't make a payment since 2014.and that it would be correct ed when I made all my payment.Well I think there is something with this picture. They are either lying or giving false information. Someone should be checking on these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I received a phone call from my husband threatening me, and letting me know he was gon na destroy me, hours after, all my devices were hacked, my passwords were changed and my private information was deleted, I called the police several times but as today Im still being hacked, I lost my job And I have no incomes to pay the credit cards, I called the phones companies ( XXXX , XXXX XXXX, XXXX  ) in order to get some kind of help, but unfortunately I didnt get it. I have called the different companies to let them now about my situation, but the option that they provide are no really helpful according with my situation. They keep charging fees and interests, plus I still dont have access to my personal account, and every time I try to create a new one is been hacked again.
Product: Credit reporting or other personal consumer reports

Trans Union LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The details of the accounts are inaccurate they are not exact in details and amounts. 

( XXXX XXXX XXXX ) you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! 
( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
DELETE THESE INACCURATE & INCOMPLETE!! ACCOUNTS FROM MY CONSUMER FILE Yours Truly XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt reinvestigation letter was sent to XXXX and Experian on XX/XX/XXXX. XXXX responded to the debt reinvestigation letter on XX/XX/XXXX and Experian responded on XX/XX/XXXX. XXXX stated the reporting had been updated and Experian stated the reported had been verified. XXXX and Experian failed to thoroughly investigate this issue and delete the negative reporting. XXXX also updated the " placed for collection date '' to reflect XX/XX/XXXX. XXXX later changed the date to reflect XX/XX/XXXX on the most recent credit report. XXXX XXXX, XXXX recently updated an outstanding balance of {$21000.00} to Experian and an outstanding balance of {$21000.00} to XXXX. This negative and false reporting has caused a financial hardship.
Product: Debt collection

On XX/XX/2018 and many prior dates Ive been getting Robo calls ( automated calls ) repeatedly that instructs me to callback with threats about incarceration for a debt that I do not owe. I have called back the numbers and told them to stop calling repeatedly.
Product: Credit reporting or other personal consumer reports

I am contacting you to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of identity theft stemming from a data breach, and these accounts and inquiries are not mine. Under the provisions of 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Accounts to be Blocked and Deleted : 1. DEPT OF EDXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 2. DEPT OF EDXXXXXXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. DEPT OF ED/XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 4. DEPT OF ED/AXXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiry to be Blocked and Deleted : XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have XXXX XXXX XXXX as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Checking or savings account

We have had to dispute a lot of charges and no one can tell us how or why it's happening
Product: Debt collection

First I want to say thank you for reading my complaint. 

I have a complaint with Midland Credit Management Company. I sent MCM / Midland Funding an affidavit requesting documents that would establish ownership of Debt and to Validation of the debt. I will attach the Affidavit I send and the response MCM sent back. Doing my research on these debt collection company ( Debt Buyers ) They are continuing to violate and abuse their ability to collect on Debts without validating or even owning the debt. Placing this debt on my credit report. 

I found the CFPB filing against this same Collection company in XX/XX/2015 File number XXXX and won a case that was supposed to chance their Practice. These collection company like Encore Capital Group , Inc, Midland Funding, LLC Midland Credit Management , INC are not validating dispute or sending any documents to show they own the debt or Validation of debt. 

Midland Credit Management is sending out generic letters informing there are changes to their credit reporting debts. In addition, this debt we will not be removed from your credit report until it is paid to a {$0.00} balance. Placing Items on credit reports without having documentation that proves they are the owner of the debt or even validate the debt. 

I sent MCM an affidavit to establish the ownership and validate the debt. They sent back this generic letter they are sending out to multiple people and I have proof. I have a friend that received the same letter. This is not a verifiable debt. They know it, that is why MCM sent me this letter. Stall tactic, The same name on every letter. But I will not stop until they delete this off of my credit Report or verify they are the owner of this debt and verify this is my Debt. 

Thank you please make them abide by the provision from the case XXXX XX/XX/2015.
Product: Payday loan, title loan, personal loan, or advance loan

I have sent multiple request regarding submitting the chain of title .The complete chain of title documentation showing all assignments of the alleged debt from the original creditor .All documents relating to the purchase of the alleged debt by the, including the purchase agreement and any attachments thereto. Reporting inaccurately Im entitled to {$1000.00} per violation.