23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Identity Theft! The information that has been provided by the company who purchased this debt does not reflect to be true. Therefore this must be a case of ID Theft. Furthermore, Midland Credit Management from their own admission is not the original creditor and would have any contractual agreements that showcases any obligation that I would have if this was not a case of ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN VICTIM OF IDENTITY THEFT. 
I SENT : -A POLICE REPORT -A FTC Report date documents were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax did not remove these fraudulent accounts that i am not responsible for violating my consumer rights. 
desired resolution : delete thes fraudulents accounts like XXXX and XXXX DID. 
Fraudulents 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX from XXXX XXXX XXXX contacted my employer. My employer took her name, company name and number and asked what it was regarding. XXXX response was that he knew meaning I would know what it is concerning. I called right away and they wanted me to verify my identity. I was upset at first asking why I have to verify my identity when they called my company looking for me. When I finally gave the last 4 digits of my social, she said wrong person. I asked if they live in the city where I lived and she said no. He lives in XXXX, oh. So they contacted my employer, made it sound like Im a deadbeat and they dont even have the right person. This is wrong!
Product: Debt collection

Lnvn funding states an account was open with the amount of {$460.00} on XX/XX/year> and I have no knowledge. I am in no contractual agreement with them and this goes against USC 15 262.
Product: Credit card or prepaid card

I have spoke multiple representatives representatives about activating a netspend XXXX debit card I purchased and loaded money onto. On each and every call the representatives would not help nor give me any information till finally onXXXX representative told me that I had a Netspend XXXX XXXX account that was negative and I explained and over that, that account was not mind but instead of giving me to a fraud representative to make a report they kept sending me back to the automated system which made me put in the current XXXX debit card I purchased and then sending me back to another representative all over again this happen about 12-15 times. Everyone of them said I cant help you and refused to get me to a department to discuss or file a fraud claim on whatever the Netspend XXXX XXXX account they are saying is mine. They were unprofessional and at times transferred me just because they didn't want to deal with the situation. 
I spoke with an agent XXXX who refused to provide myself with his information to make a complaint against him or the many other representatives of Netspend. 
I was told I'm not eligible for a Netspend due to the fact that there is a negative and that is a negative account that I didn't open.
Product: Credit card

Hello The credit is XXXX dollars. The company refuses to give me my credit back. They knowing the situation that happened. It's a very serious situation. 

I make this claim to Citibank because I went on vacation and at the time of boarding my baby got very bad and we could not travel we went to the hospital and my baby was diagnosed with XXXX  XXXX and we missed the flight, the airline did not want for any reason to change the flight or return the credit to us, when we opened the dispute with the bank we showed him all the medical documents of my baby and the necessary documents so that they did not make the refund of the credit they provided us with the money but 1 month later they removed the credit when I call To ask what had happened. They told us that the airline told them that they didn't want to return the money. Things that are something unjustifiable and unforgivable because it's a baby who has XXXX XXXX and the airline was told and all that was shown and my bank still did it. I took the money from my account after they had already provided it. I need you to help me in this. It's a very delicate situation because it's about my baby who had XXXX XXXXXXXX and apart from that my Credit is now practically lost and I need the solution on this please I wouldn't want to go to legal case because of this situation that the bank is putting, I actually need my credit returned for a flight that was never used thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The company was requested to investigate issues on my consumer report. Said company claimed they investigated the issue, however I was not provided with the proper paperwork to confirm the issues were indeed investigated. After receiving a letter claiming the information was investigated and accurate, they later removed some of the inaccurate information which they have been falsely reporting on my consumer report for a year.
Product: Credit reporting or other personal consumer reports

When I went to review my credit profile there was some inquiries that were not mine.
Product: Debt collection

I reviewed my credit report and noticed several billing errors. These late payments don't match my typical payment history. Please fix these mistakes and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted multiple certified letters to Equifax, I was told that they did not receive the letter countless of times when I have time stamps showing it was received I was told by an agent at Equifax that they do not investigate any disputes their is Hard inquiries on my report that I did not authorize and every time i send Equifax a letter they claim they never received it
Product: Checking or savings account

A friend with financial problems asked me to make 2 payments on her credit card which was a Chase card and I had a Chase bank account. I made 2 authorized telephone transfers, supposedly recorded by Chase, on XX/XX/XXXX and XX/XX/XXXX from my bank account to her credit card. In XXXX, XXXX, I discovered that without my consent or approval, {$25000.00} was transferred from my account to her credit card from XX/XX/XXXX to XX/XX/XXXX. I immediately called Chase to report a fraud. Chase determined that these transactions were valid even without my authorization, and without any of my personal information which I never shared with her, because I had made the 2 previous valid transfers to her account. I have asked Chase to provide evidence for the initiation and approval of the unauthorized transfers but they will not provide any such evidence. The problem here is that Chase 's system allows anyone to transfer money from someone else 's account to their own account without any proof that the account they are transferring from belongs to them. I have reported it to the police, the FCC, and XXXX investigates..I first spoke to my private banker on XXXX. She told me I was protected by Chase 's zero liability policy. She filed a fraud claim with Chase which was rejected by mail. I followed up myself with Chase 's fraud department on XX/XX/XXXX but was told there nothing more Chase could do.
Product: Mortgage

I have paid my loan within XXXX days of the due date but the mortgage company has not put the payment to the loan until after XXXX days and then places that I am XXXX to XXXX days late on my payments causing my credit rating to drop and making so I cant refinance and use my guaranteed VA home loan saving us thousands. This is not the first time. We had a problem with the in the past saying we had missed XXXX payments and it was from before they got our loan. I have spoken with OCWEN mortgage a couple times on this matter, they agreed my payments were current and paid within XXXX days but payments not applied until after. That 's not my problem. They payment was made within the XXXX days and needs to be made right on my credit report.
Product: Debt collection

XX/XX/2021. 
Amount is {$2400.00} I called the Debt collection company, so they asked for my information and I gave it to them so they said they don't have my information in their system that they know nothing about the debt in my record.. and she asked me to go and dispute through XXXX which I did but they reject the dispute. 
I don't receive any letter from them and no documents whatsoever from them or the company they are collecting debt for
Product: Credit reporting or other personal consumer reports

I previously disputed a XXXX XXXX collection account with Experian, and it was deleted. However, the account has now been reinserted under XXXX XXXX XXXX, which was not the original debt owner at the time of deletion. This reinsertion was done without any notice, violating FCRA 1681i ( a ) ( 5 ) ( B ).

Additionally, multiple accounts on my report contain incorrect payment histories, charge-offs, and repeated monthly updates that negatively impact my credit score. Despite submitting clear evidence proving these inaccuracies, Experian failed to conduct a proper reinvestigation and left the incorrect information unchanged. 

I request the CFPBs intervention to ensure that Experian properly investigates my dispute, removes the inaccurate entries, and prevents further violations of my consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the account information listed below, as it is negatively impacting my ability to obtain credit. The reporting of this charge-off account appears to violate both XXXX XXXX compliance guidelines and the Fair Credit Reporting Act ( FCRA ). 

Reasons for this complaint include credit reporting agency XXXX inaccurately reporting negative items not verified on my credit profile listed below is the items in questioned and not verified and are reported as charge-offs. 

I demand an immediate investigation and deletion of both Charge-Offs Creditor/Company Name : Self Financial/Lead XXXX XXXX XXXX XXXX XXXX- XXXX Account Number ( Last 4 Digits ) : XXXX Type of Account : Charge-Off Date Listed on Credit Report : XX/XX/XXXX & XX/XX/XXXX I have tried several times to dispute these items from my credit profile Self Inc. I never renewed a least with them the automatically did it then have been charging me late fees for an entire year now and they are purposely negatively impacting my credit I have paid my original least off I did not renew with them. 

XXXX XXXX XXXX someone stole my debit card during covid-19 I reported it and over the phone and I also filed a identify thief report they closed my account but have place a charge-off balance of {$71.00} on my credit this has been 2 years of me disputing through XXXX to absolutely no help they do no investigation and place the account back on my profile in less than 30 days in all cases. this violates both XXXX XXXX compliance guidelines and the Fair Credit Reporting Act ( FCRA ). 

Additionally, I have not received a 1099-C form for this alleged debt, which is required under the Internal Revenue Code, Section 6050P. According to IRS guidelines, creditors must issue a 1099-C when a debt is canceled or charged off in the amount of {$600.00} or more. Failure to provide this form is a violation of federal tax reporting laws. I am requesting an immediate copy of the 1099-C form as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received XXXX XXXX  on XX/XX/XXXX. My insurable information was entered incorrectly. I moved and was not getting the bills. The bill then went to collections. I contacted my insurance that is XXXX XXXX XXXX XXXX of Louisiana and the paid the bill XX/XX/XXXX, XXXX Credit Collection Services has not deleted the collection off of my credit report and it is XX/XX/XXXX. I need the collection to be DELETED due to coding / insurance error.
Product: Credit reporting or other personal consumer reports

I want to file a CFPB complaint for the data breach that Experian Is responsible for. I believe it has caused the problems on my credit.I have many inquiries as well as opened and closed accounts that are not even mine. There are addresses and even names that I do not recognize and I have been trying for years to get help because somehow my information has been leaked and somehow I am getting inquiries that I dont even recognize that are not me!
Product: Credit reporting or other personal consumer reports

I have asked multiple times for debt validation of alleged debt with WET signatures, not computer generated, which can be done by anyone. In addition, a purchase agreement stating National Credit Systems is the owner of the alleged debt. None of which has been provided. The only thing they continue to send is a rental agreement I never signed, yet has computer-generated signatures on it.
Product: Mortgage

I closed on my FHA loan in XX/XX/2018. It clearly states in the contract that homeowners insurance and property taxes are to be escrowed in. My mortgage was almost immediately sold to XXXX XXXX XXXX. I noticed right away that the payment did not include insurance and tax. I have called XXXX numerous times to straighten this out to no avail. They are not paying either. Also, they have sold my mortgage back to themselves under different company names at least 2-3 times. They have changed my loan number at least twice. In XX/XX/XXXX I made my mortgage payment on time but to their previous address. They cashed the check and reported me to the credit agencies saying my payment was more than a month late. 
This company is impossible to communicate with. Their customer service is useless. I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should be furnished in my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b Permissible purposes of consumer report ( s ) any 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delinquent accounts listed removed immediately.
Product: Debt collection

The debt collector, Credit Bureau Systems, contacted both me and my wife regarding Medical Bills. I informed them that I do not discuss anything on the phone, I told them I am only be contacted via US Mail and I requested proof they're authorized to collect and an Itemized Bill from the Hospital showing that we sill owe these bills. I stressed that I want this " From the Hospital, Not a photocopy from them. '' After that time, we received 2 more calls and then I received a Printout from them, not the hospital. This Printout included the Medical Procedures that were performed and this was not from the Hospital. 

When I informed them that they are not authorized to have my personal information that I did not sign any release for them to have this information, which they responded that it's part of the Rights and Responsibilities I signed with the hospital. I also informed them that the two accounts they have were already paid from my XXXX. They stated that we needed to contact the hospital and get them proof of payment. 

Two weeks later they added a Collections Account to both our Credit Reports. 

I sent them a Certified Letter stating that the Hospital has confirmed I do not have any balance with them and that they've violated my Privacy rights. I was told they will not remove the items from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update this information and remove all the old address that are not mine My address is XXXX XXXX XXXX XXXX Ga XXXX Please remove any other address
Product: Debt collection

I have requested verification and validation from this company and they refuse to provide it to me. I sent them a certified letter requesting this information. They have no provided to me in a timely manner. This is my formal and last request for this information. You can email this information or mail. My email is XXXXXXXXXXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Last XXXX of my ssn are XXXX and my date of birth is XXXX. This information needs to be removed off of my credit since you can not comply with the law. I will file a suit against your company if needed to protect my rights. I also see that you are based out of XXXX.. Are you bonded to collect in my state?
Product: Debt collection

Again did not recieve letter with rights to validate debt. Violates the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are five accounts on my credit report that do not belong to me. The accounts are the following. XXXX  XXXX {$12000.00}, XXXX XXXX/XXXX {$8500.00}, XXXX XXXX   {$16000.00}, XXXX-XXXX {$18000.00} and XXXX XXXX XXXX XXXX {$6600.00}. I have filed an FTC identity theft report as soon as I was made aware of these accounts because they were opened by someone else without my permission. I contacted the creditors as well as the credit reporting agencies and explained what was going on, however, the creditors nor the credit reporting agencies did anything to get this resolved.
Product: Checking or savings account

Bank of America has an option in checking for " Spending and Budgeting ''. 

The categories are " Spending '', " Income '', " Transactions '' and " Cash Flow ''. 

However not all transactions are included. For example when I pay my Bank of America credit card, it comes through as " Bank of America : Finance : Credit Card payment '', but it does not show in " Cash Flow '' unless I change it to " Finance : Credit Card payment ''. 

That is just one example. They have preset categories and ignore anything else. This is not a " Budgeting '' report if it does not include all transactions. At the very least any transactions that do not fall into one of their categories it should go into " Other ''
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 
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: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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

On XXXX XXXX and XXXX XXXX 2018 someone put in for credit cards/ airline to Syncb in XXXX . I have been breached and I.D theft in the past. I called them but no record of me whatsoever. So I tried to dispute with XXXX/ XXXX XXXX. But have been going back and forth to no avail. It has been 2 hard inquiries on my credit report that are not mine and hurt my score. I had around 15 items taken off so far due to Fraud.  This is also fraudulent as I have never had a credit card nor plan to.
Product: Debt collection

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Product: Vehicle loan or lease

This is in reference to claim # XXXX The above claim was filed because for years Ford Motor Credit has reported a charge-off incorrectly as well as a small balance on a car loan. 

At the resolution of this claim FMC agreed to remove the balance AND the charge off from my credit. They did so for one month. 

On XX/XX/2018 the charge-off was re-ported to my credit AGAIN ... this time registering as a NEW charge-off and lowering my credit 20+ points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud alert has not been removed after being advised that all level of Fraud Alert could be removed once I received a pin from Experian received pin only to be told no that will not work I needed to provide them with my Id and proof of address which they already have representatives are giving wrong information and I have got denied for lines of credit due to Experian Fraud Alert I have uploaded my documents which they are stating they have not received lies I want them to remove all Level of Fraud Alerts and Freeze Immediately There actions are causing a lots of stress and my credit to go down I have the pin number they mailed me to the address they are now asking for proof of address if you need it It is extremely difficult to get hold of a live agent and holds can be up to 30 mins each time
Product: Mortgage

I have 2 mortgages with Select Portfolio Servicing ( SPS ). In XX/XX/2022, I mailed in the payments for both mortgages. SPS applied BOTH payments to only 1 of the mortgages. I contacted them on XX/XX/2022 to correct the problem. I was informed from a SPS associate that it could take up to 60 days to correct. On XX/XX/2022, I found out that SPS had reported to the Credit Reporting Agencies, that I was late on my mortgage payment and my credit scores DROPPED XXXX POINTS. I called SPS again on XX/XX/2022 and discussed the problem with them to no avail. They refuse to expedite the correction and now I am fearful that they will report another late payment in XXXX. Yesterday, I applied for a small loan with my bank and was declined due to a low credit score. HELP ME PLEASE!!!!!