23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

a XXXX from NY keeps calling my cell phone, i am at work so can not answer, this morning I was able to slip away from my desk to answer. He said he is calling in reference to XXXX XXXX my adult son ) and needs to contact him, I told him I would give XXXX the message, that I am at work and he does n't have a phone, he kept interrupting saying he needed to talk to him, I kept telling him not to call this number that it is my private cell phone, and not to call it again, ( I was getting upset ) I asked how he got it and he said XXXX must have given it to him - I asked my son and he said he has never given my cell phone to anyone. I again told him not to call this number again, he said he will call it again so I hung up, he was very rude. this is not my debt, my son is a legal adult ( XXXX ).
Product: Mortgage

I have my mortgage through XXXX XXXX, who after years sent the loan to Chase Home Mortgage for the servicing, earlier this year. Ever since Chase has been servicing the loan they have been unable to apply my payments correctly, I send half my mortgage payment with each by-weekly pay cycle and Chase continuously applies my payments to the principal balance and not as a regular payment. This prevents my due date from advancing and causes me to have to take the additional action of emailing Chase each month and asking them to correct the payment posting. Not only is having to contact my servicer monthly something that should be unnecessary, but it also creates a situation where my loan will go into default should I ever be unable to contact Chase about the payment application. I reached out to Chase regarding this issue several times, the most recent being escalated to an escalations group, to no avail. XXXX XXXX  serviced my loan for years and I made payments in the same fashion without any issue, if Chase can not post my mortgage payments correctly, I would request that they send my mortgage back to XXXX XXXX  for the servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps reporting late history payment. 

When I request proof, they sent a letter stating that they don't have any records, but they keep reporting negative information on my credit report.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XX/XX/XXXX DOB XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXXXX/XX/XXXX
Product: Debt collection

This company has already been taken to court and I won, the charges were dismissed but they still refuse to remove them from my credit report. They say the account is still pending which it is not because the court already ruled in my favor. 

my credit report still shows two things from them. Even with this complaint they are going to lie and say it is still pending. 

Conns {$6300.00} XX/XX/ 2018 2018
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to provide proper documentation or verification for a disputed debt on my credit report, despite multiple requests. 

On XX/XX/2024, I sent a letter to the company that allegedly owns the debt in question. I received an email response from them on XX/XX/2024, stating that the debt was being held by a third party. 

On XX/XX/2024, I mailed a letter to XXXX, the apparent debt holder, disputing the debt. On XX/XX/2024, XXXX responded via email, stating that they would not be reporting this account in collections. 

Following this, I mailed a dispute letter to Experian on XX/XX/2024, requesting that they delete the item from my credit report, as the company did not verify the debt. On XX/XX/2024, Experian responded via email, stating that the account had been verified and updated, without providing any documentation or proof of verification. 

On XX/XX/2024, I sent a follow-up letter to Experian, specifically requesting that they provide proper documentation showing how the account was verified. Again, on XX/XX/2024, Experian responded by email, simply stating that the account had been verified and updated, but they failed to provide the documentation I requested. 

Despite multiple requests, Experian has failed to comply with my request for the documentation they used to verify this debt, which I am entitled to under the Fair Credit Reporting Act ( FCRA ). This lack of transparency and documentation is a violation of my rights as a consumer, and I am requesting your assistance in resolving this matter. 

I am asking for the removal of this item from my credit report, as the debt has not been properly verified, and for Experian to comply with my repeated requests for proof of verification.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report recently, and observed the following credit inquiries do not belong to me due to fraudulent activity
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, While I was overseas, an account with XXXXXXXX XXXX was opened fraudulently in my name and charges were applied without my authorization or knowledge XX/XX/XXXX, I was made aware of the charges through reviewing my credit report. I disputed the charges with XXXX and the Credit reporting agencies, informing them that it was not my account and was opened as a result of Identity Theft, and continued to dispute for months XX/XX/XXXX, I filed an FTC Identity Theft Report and submitted it to XXXX and the credit reporting agencies. Experian blocked the information on my account and then reinserted the information a few weeks later without sending me any written confirmation within 5 business days of reinsertion, which is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Additionally, I was never notified of an investigation or its results which is a violation of 15 U.S. Code 1692g - Validation of debts. 


XX/XX/XXXX, I sent another letter to XXXX with a copy of the ID theft report. As well as written disputes to each credit reporting agency. Again, Experian blocked the information on my account and then reinserted the information a few weeks later without sending me any written confirmation within 5 business days of reinsertion, which is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Additionally, I was never notified of an investigation or its results which is a violation of 15 U.S. Code 1692g - Validation of debts. 


XX/XX/XXXX, I sent another dispute to the credit reporting agencies, requesting to remove the inaccurate information. Once again, Experian blocked the information on my account and then reinserted the information a few weeks later without sending me any written confirmation within 5 business days of reinsertion, which is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Additionally, I was never notified of an investigation or its results which is a violation of 15 U.S. Code 1692g - Validation of debts. 


This illegal activity by Experian as well as XXXX has prevented me from obtaining housing, a vehicle loan, and investing in real estate and businesses.
Product: Money transfer, virtual currency, or money service

Cash App didnt refund me or give me adequate explanations on retrieval of my funds by scammers.
Product: Credit reporting or other personal consumer reports

I have been disputing an account with XXXX and Transunion regarding XXXX XXXX since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX to which I never received a response. I resubmitted the disagreement because the year this account was opened, I was XXXX  with the XXXX XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX from XX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the XXXX XXXX  provided to me by the XXXX XXXX XXXX  when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that XXXX, Transunion, and XXXX XXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was XXXX. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter
Product: Credit reporting or other personal consumer reports

Transunion is reporting information that is not correct. I never reside at XXXX XXXX XXXX XXXX AZ. I dont work for for XXXX XXXX XXXX remove it from my credit profile. 
XXXX is reporting collections this account was closed by consumer. This account was never late it was paid on time. XXXX XXXX XXXXXXXX account XXXX is showing as been late. This account was never late it was paid on time. This account was closed by me.
Product: Mortgage

Hello, We have our home mortgage serviced by Caliber Home Loans ; XXXX. XXXX XXXX XXXX, TX XXXX, toll free ph # XXXX 
Starting XX/XX/2018 onwards I was surprised to find out there is a new {$3.00} service charge for making XXXX time online payments via your own bank. I have had my mortgage serviced thru Caliber Home Loans since XX/XX/2013& have always made one time online payments without any fees & never been late. To avoid the fees I need to enroll into a automatic monthly recurring payment. 

Can banks charge fees randomly at any point? I feel this is unfair practice & I got no option other than enrolling into their auto pay which I am not comfortable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act, this creditor XXXX XXXX Bank has violated my rights under 15 USC 1681, Section 602, states that I have the right to privacy.

15 USC Section 1681, Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account with my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting my account with XXXX XXXX XXXX as 30 days past due even though they show the account has a {$0.00} balance and {$0.00} past due. This is hurting my credit score. I have submitted my own investigation but they did noting to correct this.
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 XXXX XXXX XXXX XXXX  has violated my rights. Or 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: Mortgage

I am trying to apply for a modification with Bayview Loan Servicing so that I can save my home. My assigned representative is named XXXX XXXX. My first impression of him was that he is very hard to get ahold of. I have always been told that he is the only person in his department that can discuss my file so I can not simply speak to the next available representative I have to call his number directly. It usually goes directly to voicemail. He picks up and immediately asks me to hold, sometimes for upward of an hour long. I know he has an email address and I asked him if that might be a better way to get in contact with him since he is so busy but he told me know he does n't check that the best way to discuss my loan is to keep continuously calling his phone until he picks up. 
The last time I spoke with him was on XX/XX/XXXX at approximately XXXX. There was only one more document being requested -- a document that I had already faxed to him the previous week. I asked if he got the fax and he said he has n't seen it yet and he does n't really trust faxes so I should just email it. The implication was that he was n't even bothering to check his faxes because they 're unreliable so the best way to send documents is email. He told me that I could reply to an email of his and if I replied back it would be uploaded to the account directly. He said the email would be out in about XXXX minutes. The email finally came XXXX -- six hours later. I simply could not wait around that long for him to send the email, and he told me that any documents sent to his email would be automatically uploaded so I had already emailed the necessary document to him at XXXX. 
When I spoke to him today, XX/XX/XXXX, he said that he closed my case because the all necessary documents had not been received. He said he had requested the documents on XX/XX/XXXX so he does n't even remember correctly what day we spoke. He kept saying that our correspondence must have " crossed '' which makes no sense because I sent the document within 15 minutes of him asking for them. Even now it 's only 3 business days since he requested the document so how can he close my file so quickly? 
I first applied for assistance back in XX/XX/XXXX and I even reapplied on XX/XX/XXXX because it had been closed for the same reason -- package incomplete. However with such poor communication from XXXX XXXX how can I ever figure out if and when they have all the documents they need? I am very concerned because after 4 months we are no closer to reaching a resolution on my loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account with Experian from a subscriber XXXX XXXX and the CRA alleges they verify said account as accurate however refuses to provide the requested information per FCRA that I requesting relating to the debt in dispute. This account does not belong to me nor do I have an account with the original creditor listed which is XXXX XXXX. I requested the method of verification, the person contacted to verify, and the documentation provided to verify this debt and Experian refuses to provide this information and continues to violate my consumer rights that require accurate and complete information be reported in my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX was disputed with Exquifax and collection agency it reported on XX/XX/20 as a closed account wih XXXX XXXX in which it was supposed to be deleted credit bureaus are supposed to report 100 percent accurate in which it is not because experian is still reporting as a collection as well as equifax, also this account has been deleted before and keeps appearing back on my credit report which is a violation of the law
Product: Credit reporting, credit repair services, or other personal consumer reports

There are mailable addresses that are not accurate on my credit report that I did not give anyone the consent to add information on. The address that should be on file is the one that i publicly live at, which is public information so where are you getting your information from? 
Why is it incorrect on my credit report? This is identity theft because not only is this stuff incorrect but you didn't get my consent to put this on my credit report or reach out to see if it was correct that would have been the honarable thing to do. 

Also the name I do buisness with is not XXXX XXXX XXXX. Its XXXX XXXX  XXXX so where is this information coming from and I did not give you the consent to add this to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX XXXX  balance the company says belongs to me doesnt in the amount of {$1200.00} ] THIS ACCOUNT DOES NOT BELONG TO ME I HAVE DISPUTED THIS IN THE PAST WITH THE ORIGINAL COMPANY ( XXXX  ) XX/XX/XXXX XXXX {$1400.00} balance the company says belongs to me is inaccurate/settled THIS ACCOUNT HAS BEEN SETTLED!! 

XX/XX/XXXX Accnt type : CREDIT CARD XXXX XXXX {$3800.00} balance the company XXXX XXXX claims belongs to me and it doesn't XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XXXX XXXX XXXX i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX  XXXX XXXX I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX THIS ACCOUNT HAS BEEN SETTLED!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.

I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows :
Product: Checking or savings account

I had an account with wellsfargo and I was charge unfair fees and lots of times money was freeze