23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent certified mail letters to PRA disputing a debt that maybe errounesly on my credit report. I have also submitted a complaint with the CFPB on XX/XX/2018 complaint number XXXX. Portfolio Recovery has responded with an invalid instrument of indebtness according to our laws. which means PRA is in violation of the FCPDA. What PRA provided does not prove that this debt belongs to me. Attached is what was included in there response.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA XXXX ( XXXX U.S.C. XXXX ) that you : The Credit Reporting XXXX XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaintXXXX 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 ) These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My XXXX Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA XXXX ( XXXX U.S.C. XXXX ) that you : The XXXX Credit XXXX XXXX XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( XXXX ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -A Letter formally detailing the information of my dispute -Copy of US Issued ID XXXX Proof of Identity ) -Copy of a SSN ( Proof of Identity ) -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit reporting or other personal consumer reports

I noticed an inquiry that I don't recognize. Please send all info you have including the reason for this credit pull
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XXXX of XXXX I lost my job due to Covid 19. I started to fall short on funds so I contacted a representative from Credit Acceptances customer service department and told them about my job loss and falling hard on funds and they instructed me to jus pay as I could and they wouldnt be sending anyone out to repossess the car nor would it effect my credit profile. Months later Im caught up on all payments put have 7 late payments on my credit report. Ive contacted then several times even tried disputing through the credit bureaus and its still reporting on my credit and Im not really getting a clear response from credit acceptance as to why. Ive even recently sent goodwill letters to the company asking them to forgive me for my late payments and Im still awaiting a response. This is the only thing effecting my credit profile and holding me back from purchasing my home in XXXX. Even with this issue I still would recommend this company to others as it is a great way to build credit with an auto loan. Im hoping we can get this matter resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX XXXX XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. 
I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXXXXXX XXXX XXXXXXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 



Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting false information and refuses to fix it. I have 4 student loans that reflect 8 late payments of 90 and 120 days. I have disputed the information and some of the information was corrected but the most imperative has not been changed. My score has decreased by 150 points due to false information. The attached documents clearly shows that all 4 accounts are in good  standing. This credit hiccup has affected my entire existence in regards to my business and personal life. I was approved for an XXXX XXXX and XXXX XXXX in which was to be used to fuel my Covid-related business related XXXX  with a XXXX  to help the community. My loans and funds that were set aside for my business were denied during the underwriting process prior to funding. A second lender herd my vision and tried to push my loan through twice and still was unable to get funded to to credit history and delinquent accounts. I am looking for housing and I am not credit worthy to purchase a home and honestly cant even find any temporary housing until I am able to finance due to my score. Please help me!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and incorrect information listed on my credit report concerning the following accounts : XXXX. Account # XXXX with XXXX XXXX XXXX  Date Opened : XX/XX/year> Amount : {$1200.00} XXXX. Account # XXXX with XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Amount : {$200.00} XXXX. Account # XXXX with XXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$1900.00} The information reported on all of these accounts is inaccurate and should not appear on my credit report. I initially filed a dispute with Experian, requesting a proper investigation into these accounts. However, Experian failed to follow up on my dispute and did not take any corrective action to address the inaccuracies. 



I recently learned that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian. The allegations against Experian include : Accepting unreliable and inaccurate information from data furnishers, and Failing to notify consumers of the results of their disputes in violation of federal laws. 



These allegations align directly with my situation. Experian has not made any effort to address my dispute, remove the inaccurate information, or correct the errors despite their obligations under the Fair Credit Reporting Act ( FCRA ). 



The presence of these inaccurate and derogatory accounts on my credit report is negatively affecting my financial stability and opportunities, including my ability to secure housing and a vehicle. Experians failure to address this matter is not only a violation of my rights as a consumer but also a breach of federal laws designed to protect consumers from these exact issues. 



I am requesting the immediate removal or correction of these derogatory marks from my credit report. This matter must be resolved promptly, as these inaccuracies are causing undue hardship. If this issue is not addressed, I will have no choice but to pursue additional legal remedies to protect my rights. 



Thank you for your time and attention to this urgent matter. Please feel free to contact me directly if further information or documentation is needed to assist with this investigation. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

When submitting payments by mail to the Mr. Cooper, formally known as Nationstar Loan Servicer, I date all of the mortgage payments on the day that they are due ( First of the month ). These posted-dated checks are being cashed before the date. In order to comply with the loan servicers ' rules on late payments, all of my checks are sent at least a week prior to the due date to allow a reasonable time for shipping. On XX/XX/XXXX, I reached out to Mr. Cooper asking that they not cash my checks before the indicated date, however they would not accommodate my request. I am fearful that if I turn in my payments on the first of each month I will inquire late penalties that I feel would be unreasonably assessed. How can they be allowed to cash checks well before the indicated date?
Product: Mortgage

We have been waiting for someone to fix our VA loan.We went into forbearance during COVID. In XX/XX/XXXX, we went into Loss Mitigation. 

All we get are apologies, but now someone took us out of loss mitigation! Now we are faced with losing our home. 

This is not right. 

We have continued to call every 2 weeks and are told our mortgage will be fixed. 

Can someone please send us the correct paperwork that honors the attached letter in our file? 

We can then begin paying on our home. 

It is extremely upsetting that nobody seems to know what to do. Yet, we get phone calls demanding we pay all of the monies from the forbearance. 

Please please fix our loan and honor the XXXX XXXX rate we have been waiting on since XX/XX/XXXX. The agreement letter is in our file and dated XX/XX/XXXX. Yet, the papers we are to sign have not been sent. 

We simply need someone to send us the correct paperwork to sign.We are told it was the fault of the VA. Then, we are told the company is short staffed. Nobody seems to know what is happening every time we talk to someone. The mental anguish and stress is upsetting. I'm currently XXXX from a XXXX XXXX  and now undergoing treatment as a late onset XXXX  XXXX XXXX. We don't need to stress of potentially losing our home. 

Please get this fixed. We have complied with all requests and yet the correct paperwork has not been received. All we are asking is that the letter dated XX/XX/XXXX and uploaded into our account on XX/XX/XXXX be honored. Then, we can begin paying our loan. 

Thank you
Product: Credit reporting or other personal consumer reports

THE PERSONAL INFORMATION PROVIDED IN THE CREDIT REPORT FILE IS INACCURATE.
Product: Credit card

I am getting charges for walmart credit that I payed off last year. I XXXX XXXX have not made or authorized any charges to that account since and it is now affecting my credit badly.
Product: Credit card

The individual alleges that XXXX XXXX XXXX XXXX violated their rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus without proper consent. They highlight several key violations : Violation of Privacy Rights : The individual claims their credit report, as non-public personal information, should be protected, and XXXX XXXX XXXX XXXX failed to disclose their right to rescission. 

Failure to Obtain Consent : XXXX XXXX XXXX XXXX allegedly reported information without the written consent of the consumer, as required by FCRA Section 604. 

Misrepresentation of Credit Payments : They argue that XXXX XXXX XXXX XXXX misrepresented credit payments, potentially committing security fraud. 

Willful Violation of FCRA : The individual warns that any continuation of negative reporting would constitute a willful violation of the FCRA, demanding accurate reporting and correction of their credit report. 

Legal Action Threat : They threaten legal action if XXXX XXXX XXXX XXXX fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days. 

The individual asserts that their application is being traded as a security without their authorization. They emphasize that they have unequivocally revoked any consent for such trading activities. This unauthorized trading of their application is a grave violation of their rights and demands immediate cessation. 

Moreover, the individual cites specific sections of the U.S. Code to support their claims : 15 U.S. Code 1666b : Creditors are prohibited from treating payments on credit card accounts as late under an open-end consumer credit plan.

15 U.S. Code 1666d : If a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor must refund any remaining balance upon the consumer 's request. This refund should be made in good faith, and can be provided via cash, check, or money order.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a clearly states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXXXXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXXXXXX XXXX and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX Resurgent and LVNV funding whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX, LVNV funding and Resurgent never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Student loan

I have entered into an income-based repayment plan with Navient for my Federal Loans but my payments exceed my monthly paycheck. I have asked on a consistent basis for help in decreasing my payments but everytime a customer service rep has offered me a forbearance. I need help in getting a real help with my monthly payments. I have asked for financial help for years and all they have done is passed me along with defaults and forbearance forms. I would really like to make some payments but I can not afford what they are asking. My combined payments are approximately {$3500.00}. I can not afford that I am a single mother and I am trying to take care of my daughter all on my own. I have told them this several times. I have no way to pay this amount. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed with Transunion, XXXX, and XXXX  incorrect data that each are reporting on my credit bureau. Each company is reporting that my mortgage with XXXX XXXX  is closed, and auto loan with XXXX XXXX finance is closed and being paid through a chapter XXXX plan agreement. I've submitted to all 3 bureaus schedule C documents showing the 2 accounts were filed as exempt, also my chapter XXXX plan of which I the debtor was paying the accounts directly, and not through a wage payment plan through chapter XXXX. I also submitted bank statements showing proof of those deduction coming from the creditors. I learned from contacting each creditor that they were reporting to the 3 credit bureaus that my account was paid on time, and as agreed. I stated in my dispute that I wanted the incorrect data removed from my account since they are failing to report my account accurately. I notified the 3 credit bureaus that bankruptcy courts does not report to credit agencies and submitted documents supporting my disputes. The inaccurate information is causing severe hardship, and I ask that those companies update my report with accurate reporting, or remove the inaccurate data. ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma ; My email is deactivated, I tried email the support member that's on their site. They need a phone number to call. It makes no sense I cant call these people that have ads on XXXX & XXXX but, no number. 
Email XXXX XXXX
Product: Checking or savings account

Several issues XXXX Wells Fargo opened up a second checking account under my name when I tried to close it they closed my original account and messed up all my financial payments and changed Wells Fargo fees. 

XXXX when my account was low on funds my direct deposit would hit the bank at or around midnight then a financial payment would hit my account around XXXX am as an NFS fee as viewed by me several times two days later my account would show the NFS payment changed to midnight and my direct deposit was changed to XXXX or XXXX am resulting in hundreds of NFS fees I Complained several times but did not have any screenshots to prove my case XXXX. I had a checking and XXXX savings account XXXX for each of my kids The terms were if I put XXXX a month in my savings accounts they would wave the XXXX a month service fee. I had it set up where XXXX a week went in both accounts so XXXX a month in each account but they charged me XXXX a month in both savings accounts because it was not a XXXX time XXXX a month payment
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIDAVIT OF TRUTH XX/XX/XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT : XXXX AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by Private Right of Action XXXX Notice to all, I am that I am, the consumer in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, Consumer, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : The Truth in Lending Act is intended to inform consumers about the cost of credit. The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( D ) ( XXXX ). the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
Addition on XX/XX/XXXX Midland Credit Management stated this account was Cease and Desist.