23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MCM illegal obtained my social security number inwhich is a violation of 18 USC 1028 by Buying and use of social security number. I will not and did not consent to this conduct MCM sent fraudulent Information to the credit reporting agency ( CRA ), and wantonly misled them into lowering my credit score. This was done deliberately. MCM is in violation of U.S>C 1681 604 A section 2. Violation there own department policy Furnishing inaccurate information to all CRA 's this has caused irreparable harm. MCM is using extortion tactics. coercion to obtain a payment that's already prepaid. see title 3124 exemption from taxation. ALL ACCOUNTS are PREPAID. MCM is acting as a Lawyer firm and using abusive language. They violated 1692f unfair practices ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) - ( A ) ( B ) ( C ) - ( 7 ) ( 8 ).
Product: Credit reporting or other personal consumer reports

My repeated attempts to resolve the fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are unrelated to me, and I am not responsible for them. Their presence has caused me significant mental and financial strain. As an identity theft victim, I may need to pursue legal action if this issue isn't properly addressed. These false entries have prevented me from purchasing my dream home and adequately supporting my family, severely impacting my financial health. I've attached a copy of my previous letter to the FTC detailing this issue and requesting resolution.
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 

USAA FED SVG BK - SAN AN Account Number : XXXX Charge Amount : {$93000.00} Date Opened : XX/XX/2023 Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Product: Credit reporting or other personal consumer reports

This is a formal complaint that this company is reporting information on my credit report tht is the result of identity theft. XXXX XXXX  previously placed a derogatory account on my credit report to a collection agency to which XXXX on identity, theft report because I never received treatment from reading hospital in XXXX. The inaccurate information was removed. As of XX/XX/2023, I noticed XXXX collection accounts for the same items tht was removed back on my report under a different collection agency to which this is a clear violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed an item regarding Rise that was fraudulently placed upon my XXXX  XXXX  and Transunion credit reports. The item was removed, this morning I received notice that a debt collector, XXXX had once again placed the debt collection against my credit report in violation of The Fair Credit Reporting Act and The Fair Debt Collection Practices Act without sending me notice, a debt validation letter or an opportunity to dispute the debt. Please find submitted with my complaint an updated identity theft notice with The FTC, notice of dispute and lawsuit filed by The CFPB against XXXX for engaging in this type of misconduct. Once the item is removed or deleted it can not be placed again on my credit report.
Product: Credit reporting or other personal consumer reports

I am a confirmed victim of the Equifax data breach, during which my personal information was illicitly sold and purchased. In light of this breach, I am requesting the immediate removal of all unauthorized entries from my credit reports. Enclosed is evidence confirming that Equifax acknowledged my status as an affected individual. Despite this, no action has been taken by Equifax. I urgently seek assistance in expunging/deleting these illegitimate accounts from my credit history which have caused me great harm.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  RM XXXX XXXX XXXX XXXX XXXX XXXX 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

I am interested in disputing all incorrect information credit report with experian. checking my file ive noticed of incorrect data that is hindering my file. please remove all information submitted to help clear my file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 1XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

This letter serves as a formal notice to cease and desist all collection activities related any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. 
Case law has affirmed my right to request the cessation of debt collection communications. In XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), the court ruled that a consumer 's request to cease contact must be honored by collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 
Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA. 
Please be advised that failure to comply with this notice may result in further legal action This could include filing complaints withrthe Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies protect my rights. 
Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my XXXX, XXXX and Transunion report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my XXXX, XXXX, and Transunion reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back on my credit report.
Product: Bank account or service

Citi Bank charged me a {$25.00} maintenance fee when they switched to XXXX XXXX XXXX when it was previously free due to having my mortgage with them. When I called Citi Bank to dispute the charge they told me that there was NOTHING that they could do to help me because that was a XXXX XXXX XXXX charge. But, Citi was still the name posted on the bank. Citi told me I would have to now speak to XXXX XXXX XXXX to get them to credit the fee. I then contacted XXXX XXXX XXXX and they said that it was actually a Citi charge and they could NOT help me. When I called Citi back they said they would like to help me but because they no longer have a bank in Texas they could n't help me at this time. I told them that I called them while they they were still here and I had an account with them. Why did they send me on a wild goose chase just to get out of taking my money. I do n't want their money I JUST want MY money back! They deducted the {$25.00} from my account. This is highway robbery and totally unfair! My name is XXXX XXXX and my account number was XXXX.
Product: Credit reporting or other personal consumer reports

I have been requesting that LCI send me a copy of my personal file and FREEZE AND DELETE my file which is my right. 
I have also asked secondary reporting agency XXXX, XXXX, XXXX, XXXX, ect to to do the same and everyone has immediately without question but LCI believes they are above the law and can violate my rights whenever they want. 
I have sent them certified mail left phone messages ect and they tell me I need to contact XXXX. Lets be clear LCI is a secondary credit reporting agency and XXXX is a credit bureau. They are separate entities and I have every right to get a copy of my personal file from LCI as well as have LCI freeze and delete my personal file with them. 
I then went to opt out of LCI on XXXX and was sent to a website in which LCI says I can get a copy of my personal file I can freeze and delete my personal files with them. 
From LCi site they write the following You may opt-out of your data being shared with third parties or request access to your personal information by submitting the form below. 

You may also call us on the number below to request access to or deletion of your personal information. 
PHONE XXXX I fill out my name and email and an error keeps coming up. I called left messages aand once again NO call back.
Product: Mortgage

I advertently discovered the home was going in to foreclosure. This mortgage company did not send me notice and only sent notice to one party of the Estate. The home is going to the auction on XX/XX/year> Monday at XXXX XXXX. 

I have never received any correspondence from Fay Servicing , LLC. I have never received notification the payments were behind. I do not reside in the home ; however, I am a one of two beneficiaries of the Estate.
Product: Credit reporting or other personal consumer reports

I disputed this on my credit report more than once for AFFIRM installment loans, as it was paid off in XX/XX/2024. Yet, AFFIRM just incorrectly reported to XXXX ( FOR THE 2ND TIME ) that as of XX/XX/2024 the installment loan is open and {$51.00} due. I advised AFFIRM that the loan was paid off and the account should be closed, and the representative refused to correct the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit card

I opened a bust buy credit card to earn 10 % cash back, when i received my credit card statement I went online and paid the balance due in full. The payment due date was XX/XX/2017 which was a Saturday, on Sunday XX/XX/XXXX i paid the balance in full typically when a payment is due on a weekend you have until Monday to make the payment. Furthermore when I logged in on Sunday the balance due in full reflected the same amount as my statement. I paid the entire balance a figured that was it. I never received another statement. On XX/XX/XXXX I received a message from the collections account stating I had a balance of {$140.00}. I called and they said I was emailed a statement on XX/XX/XXXX which I did not receive, it was not in my spam either. When I logged in on Sunday XX/XX/XXXX and paid the balance the account said was due in full of {$4400.00} that should have been the final balance. Again I was 1 day late but it fell on a weekend even when that happens with my mortgage they waive the fee if Payment is received by Monday.
Product: Credit reporting or other personal consumer reports

I have searched for over an hour trying to find the XXXX XXXX address of the XXXX credit bureaus. All the searches result in XXXX XXXX XXXX. I have a XXXX account and want a " real '' address so that I can send a traceable letter/communication. XXXX does not deliver to XXXX XXXX boxes. 

It seems they require you to use the XXXX XXXX XXXX so that tracing the delivery is more complex. Even with XXXX, signature required, the return cards get lost. When I use XXXX, I put the tracking number in the body of the letter. Once delivered, I can print the signature record and exact time of delivery. I can then use this verifiable information in dealing with a rep or even follow up communication.
Product: Vehicle loan or lease

Good day, I received a bill for {$44.00} ( " immediately due open receipt '' ) dated XX/XX/20 from GM Financial ( acct # XXXX XXXX after completing our lease. On XX/XX/20 I called and spoke to " Teka # XXXX. '' XXXX responded that I should " ignore the bill ... It is a California thing. '' XXXX could not offer me an e-mail or any confirmation to that end. She suggested I call back in two weeks, On XX/XX/20, I received another bill for the {$44.00}. On XX/XX/20 I called GM Financial, XXXX ( PST ), and received a busy signal on the phone line.On XX/XX/20, I called and I was on hold for an hour and 10 minutes before hanging up. 

On XX/XX/20 I was applying for a loan to discover that GM Financial had " dinged '' my credit report ( s ). 

I am seeking to have this " ding '' removed with your help. 

Greatly appreciated, XXXX XXXX XXXX
Product: Debt collection

Need a letter showing I set up payments and where the original debt came from for employment with the Federal Government and they are refusing to give me the information as I am on a deadline and need information before XX/XX/XXXX.
Product: Credit card or prepaid card

Closed my Macys credit card on XX/XX/XXXX because I learn when I tried to use the card in store was told my account was closed on XX/XX/XXXX by Macys for Inactivity. Called on XX/XX/XXXX spoke to XXXX ( Supervisor ) employee no. XXXX who said, she would close my account with Macys but XXXX instead of closing my Macys account XXXX opened without my authorization/permission another credit card with Citibank because Citibank bank is the credit center for Macys. So I only know the last 4 numbers of that new account XXXX opened in my name with Citibank because XXXX sent me a letter showing the new account number ( only last 4 digits ). I have called several times requesting different representatives to close both accounts but it has fallen on deaf ears. I have even asked Macys FRAUD Department, Macys local store manager, Macys Credit Department, and Citibank Credit Department to close both accounts with NO success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you
Product: Mortgage

XXXX loans serviced by Mr. Cooper claim our hazard insurance and taxes = {$17000.00} for the year XXXX, when actually they = {$5900.00}. Our familys mortgage payment will more than double due to this error in less than two months! 

Detailed timeline and facts below and escrow analysis attached. 

XX/XX/XXXX I electronically deposited XXXX XXXX XXXX. refund of {$1500.00} in XXXX XXXX escrow account. 

XX/XX/XXXX I received written notice via XXXX from XXXX XXXX serviced by Mr. Cooper regarding new escrow analysis completed on XX/XX/XXXX, increasing my current mortgage payment another of {$1300.00} effective XX/XX/XXXX. 

XX/XX/XXXX Before XXXX. received and electronically deposited XXXX refund of {$1500.00} to my checking account. The check cleared in my bank after COB on XX/XX/XXXX. 

XX/XX/XXXX Mr. Cooper XXXX & XXXX. Department and I contacted XXXX XXXX via a 3-way phone call, requesting unused premium refund ASAP. They assured me they would mail it that day. Policy was canceled XX/XX/XXXX. 

Total mortgage payment increase after XXXX escrow analysis XX/XX/XXXX through XX/XX/XXXX = {$1500.00}! 

XX/XX/XXXX I contacted XXXX XXXX serviced by Mr. Cooper because the newest Hazard Ins. company ( XXXX ) overcharged us by {$5800.00}. We were unable to reach XXXX XXXX my phone, e-mail, or help portal on website. 

XX/XX/XXXX Mr. Cooper indicated escrow shortage of {$11000.00} increasing our mortgage payments from {$1000.00} in XX/XX/XXXX to {$2500.00} effective XX/XX/XXXX. 

The difference they will be overcharging us = {$11000.00} beginning in XXXX of this year! 

Total increase XXXX through XX/XX/XXXX = {$190.00}! 

XX/XX/XXXX mortgage increased another {$43.00} due to 2nd escrow analysis. 

XX/XX/XXXX mortgage increased {$150.00} due to XXXX XXXX XXXX. payment from escrow. 

XX/XX/XXXX & XX/XX/XXXX {$2800.00} XXXX XXXX XXXX annual premium paid through Mr. Cooper escrow account. 

XX/XX/XXXX & XX/XX/XXXX Annual hazard insurance paid and reimbursed {$3000.00} when XXXX went bankrupt. The insurance advance should have not be calculated in escrow analysis.
Product: Credit reporting or other personal consumer reports

There are 2 hard credit hits on my credit report that I did not do. I want them to remove the hard hits to my credit. One of the company is XXXX and the other is Lowes.
Product: Mortgage

I have tried 3 times to file this complaint but this website does not save my info and has timed out or if I log out because I cant complete the complicated history in one sitting everything is delleted and because there is no complaint number issued at that point nothing I entered could be retrieved. I have resorted to describing the complaint in a separate document which I will scan and upload in the section to follow along with other supporting documents.. If this is not acceptable please let me know asap. 
I am currently without a computer and was limited in the times I was able to borrow one. I was unable to send all supporting documents for my complaint but had time to upload a sampling of records to reflect some of the issues with my mortgage servicer. 
Please note : The name on the loan in question is XXXX XXXX XXXX because I inherited my home where Ive lived since XX/XX/XXXX upon the death of XXXX XX/XX/XXXX.
Product: Credit card

I am requesting the name, address, phone and fax for the custodian of records.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 JPMCB CARD added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA JPMCB CARD has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two disputes with Experian regarding information being misreported on my Experian Credit Report related to an account that was previously closed and now reopened by the creditor. The account was closed after I was let go from my previous employer. The creditor put me on a payment plan and once the balance was paid down to XXXX  the account would be reopened. The account was paid down as of XX/XX/2020. I know have a negative balance of XXXX. Reached out to all three credit bureaus letting them know to change the status of this account to open and not closed. I filed the first dispute in XX/XX/2020 and the turn around time for their decision was less than a week. The updated the balance but did not change the status from closed. Filed again on XX/XX/2020, with documentation. Again their results did not change although they said it was investigated. I called the my creditor and they confirmed the account was reopened and sent me a new credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX personal loan was paid off last month and not reporting a {$0.00} balance on my current credit reports. My XXXX XXXX was paid off last month and not reporting the correct balance.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but XXXX and Transunion has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.