23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> is the last request made for this account to verify the amount that they are attempting to collect. This has been disputed with the credit bureaus as well as the XXXX XXXX collection company. 

The credit limit is {$300.00} the balance shows {$220.00} however the XXXX are sending a request for XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of urgent concern regarding fraudulent items on my credit report. It has come to my attention that unauthorized entries have been listed, severely impacting my financial standing. This complaint serves as a formal request for the swift removal of these fraudulent items from my credit report. 

Upon discovering these unauthorized entries, I took immediate action to dispute them through the appropriate channels outlined by Credit Bureaus. I provided all necessary documentation, including police reports and affidavits, to support my claim of identity theft and fraudulent activity. 

Given the gravity of the situation and the potential consequences for my financial well-being, I urge you to expedite the investigation and removal of these fraudulent items from my credit report. Timely action is crucial to mitigate any further damage to my creditworthiness and restore the integrity of my credit history. 

I request the following actions be taken without delay : Immediate removal of all fraudulent items from my credit report.

Written confirmation of the removal, along with updated credit reports reflecting the correction.

Assurance of ongoing monitoring and protection against future instances of fraud or identity theft.

I emphasize the urgency of this matter and urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and pursue legal recourse to seek redress. 

I trust that you will treat this complaint with the urgency and seriousness it demands. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for mortgage relief with OcWen Services a few months ago. They responded last month by raising the interest due on my mortgage by about {$1000.00}. When I asked why, they said I should be paying 50 % of my income to them, so I could afford it. I kept saying I was asking for a lower payment not a higher one. They began calling and harassing me, and when I asked to speak to a manager in the US, they either out me on hold of said someone would call back, and they never did. I paid my usual mortgage payment in XX/XX/XXXX, and they refused to accept it. They say I owe the higher amount each month going forward. I don't understand how applying for mortgage relief can cause my payment to go up so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's says I applied for Chase Bank card!! I never did & I have a hard inquiry on my credit report & I never applied for anything!! It also stating I have a new XXXX! I never owned a car & I don't have a car!!! This is fraud!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Request Validation of Bankruptcy From XXXX, Equifax, XXXX and Court. 
XXXX Received Validation from XXXXXXXX XXXX XXXX  XXXX- received letter stating bankruptcy is accurate. 
XXXX mailed letters to XXXX XXXX XXXX Equifax and XXXX XXXX for removal of Bankruptcy from credit reports with letter from Nevada Court stating did not report.

Nothing has been done as of yet. 

XXXX XXXX BANKRUPTCY FILED XXXX BAL {$0.00} XXXX Their original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Capital one breach of data was NOT notified about a settlement class action lawsuit.
Product: Debt collection

I am writing to formally file a complaint regarding persistent harassment by XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, and their now-hired debt collector, Stillman Law Office XXXX I have been contacted by these entities in relation to an account that is not mine, and their actions are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I made a formal request for proof that I owe the debt they claim, specifically asking for documentation with my signature showing that I signed an agreement related to the alleged debt. To date, I have not received any such documentation. Despite my clear request, the company has failed to provide evidence that I am responsible for this debt, continuing to harass me with calls, letters, and now, the involvement of Stillman Law Office. 

Furthermore, I have made it very clear to these entities that I do not want my personal information shared with third parties. Nevertheless, they have gone ahead and shared my personal information, including my Social Security number, with another company, violating my explicit request to remove and cease the sharing of my data. 

This situation has caused me significant distress, and I believe that their actions are in violation of the FCRA, as well as other consumer protection laws. Specifically, their failure to provide valid proof of debt and the unauthorized sharing of my personal information are clear violations of my rights. 

I request that the CFPB investigate these practices immediately, and help ensure that these companies cease and desist their unlawful actions. I would appreciate your guidance in resolving this matter as quickly as possible.
Product: Debt collection

I mailed off my affidavit of truth " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit '' [ Group v Finletter , 108 F.Supp. 327 Federal case of group v Finletter, 208 F.Supp. 327 ]. 

Credit Collections Services never rebutted with an affidavit. An affidavit uncontested, unrebutted, unanswered, Morris v National Cash Register, 44S.W. 2d 433 Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accept as true ''
Product: Debt collection

After speaking to multiple agents for XXXX  and XXXX, they found I had enough reasoning to have the information closed and removed from my credit report. I have given the same information to XXXX  and have been going back and forth with them on an account that does not belong to me that was opened fraudulently. I explained I have lived with my mother all my life and have never had anything in my name under my social and with proper identification they were able to confirm that what I was saying was the truth. XXXX  has made this process very difficult as it has been months I have been trying to dispute this negative fraudulent information. It was only brought to my attention when my home lender caught it in my report when he tried to get me approved for a loan for a house I am trying to buy for my XXXX. It has delayed my process and they still refuse to cooperate and get the information removed and closed off from my report. They have continued to ignore my requests regardless of the information given or any reasoning. 


Security Credit Services Account # XXXX Collection opened : XX/XX/19 Balance : {$3200.00}
Product: Mortgage

My mortgage line of credit monthly payment will go up, XXXX 2016, from {$350.00}. to over {$850.00}. This is a payment I can not afford. Without any success I reached out to PNC to come up with a mutual solution.
Product: Debt collection

I lived in an apartment complex about 2 years ago. After leaving in XX/XX/XXXX I made sure to clean the apartment before moving away. Being the young XXXX XXXX  that I was I forgot to take pictures of the condition after leaving. I did not hear from the apartment complex managers ever again. Fast forward 2 years, at the end of XX/XX/XXXX I was contacted by Mr. XXXX of XXXX XXXX claiming we still owe damage fees XXXX in total for the apartment we lived in 2 years ago. He reached me through a phone call. I still kept the same number I had 2 years ago. After exchanging emails I asked for a few documents to confirm the damages. He provide a few documents, but no time stamp photos of the damages. After weeks of asking for time stamp photos to verify the written damages he stated that his computer caught a virus years ago and the photos were erased during fixing the computer. After that time I wrote Mr. XXXX an email stating that under California tenant laws states that a landlord must request the payment of damages within a timely manner. Seeing that it has already been almost two years after my move I believe this " timely manner '' had expired. With the time stamp photos I would have no way of believing these damages were caused. I also stated that Mr. XXXX had the means to contact me with a call years ago, but it was his fault he had forgotten about these fees. He had also admit that he forgot the fees and after going through old paper work found them. About a week after this email he sends me six photos that are supposed to be of the apartment I lived in. These photos were not time stamped and when I asked to see more photos of the apartment he did not respond on XX/XX/XXXX. After that day he sends me a new email stating that he will be sending me to collections and needed my address. I was not comfortable giving that information at that time and asked if it was able to email me this paper. He stated no, he was not able to do so and somehow knew my address and asked if that was it. Being a little shocked that he knew where I lived I asked to be emailed the papers. XX/XX/XXXX I come home from work and found the collections paper from Mr. XXXX mailed to my home. I will attach all information that was given to me by Mr. XXXX below in the attachments.
Product: Debt collection

I have disputed this account numerous times including my last dispute with you guys. The company XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX and now Transworld System. They keep me in collections, for the amount of {$520.00}, but they keep putting it back my credit. Please help me remove this collection off my credit cause its effecting my school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my XXXX credit report 7 days a week and continue to monitor it and there where two inquires with sync/walmart bank I didn't  authorize and I called syncormy bank and told them about it and they haven't done anything but would contact XXXX to have it removed and I also contacted XXXX ( the worst credit bureau) ... and the fraud dept haven't done nothing about it and each time I filed a complaint on this bureau they would reply to the CFPB ' HE IS A VICTIM OF FRAUD' That is so XXXX ..... and XXXX  haven't been removing some of the inquires off my credit report that are marked fraud and it shows that I have 12 of them and I should have at least 4 vaild inquires which are XXXX XX/XX/2019XXXX XX/XX/2019XXXX XXXX XX/XX/2019XXXX XXXX XXXX XX/XX/2019 walmart/syncb has two fraudulent inquires on XX/XX/XXXX twice
Product: Credit card

After signing up with a credit monitoring company I noticed that there were several credit cards listing on my report without my knowledge or consent.
Product: Debt collection

Name of Credit Collection Company : Receivables Performance Management , LLC Date : XX/XX/2020 This company sent me a letter insisting that I owed {$5000.00} for four technical devices I never purchased. Furthermore, I have never used either XXXX or XXXX XXXX as my carrier with whom the debt was originated. I previously contacted RPM to advise that this is NOT my debt. 

I would like you to contact this company to eliminate this attempt to collect a debt I never incurred so they will stop harassing me. This is very important.
Product: Credit card

Someone stolen my personal information and sent a credit card request for Discover on XX/XX/2024.
Product: Debt collection

Enhanced Recovery is reporting a tradeline from a XXXX  account that does to belong to me. I have send the credit bureaus a copy of my FTC Identity theft report and police report over two months ago and somehow the credit bureaus are still allowed to report this. I Find this highly illegal and unfair. I have enclosed a copy of my FTC report and police report once again. Please delete this from my credit profile.
Product: Mortgage

Predatory lending is an attempt through deceptive practices to entice, mislead, or dupe a consumer into a loan that is not in their best interests. This includes higher interest rates. I am writing to report predatory lending practices by my mortgage company Rocket Mortgage. 

Rocket Mortgage made several attempts to reach me from XX/XX/XXXX through XX/XX/XXXX. I was not interested in anything they have to offer since my current mortgage is at XXXX XXXX and current rates were above XXXX XXXX at the time of these calls. 
On XXXX, I accepted a call from Rocket Mortgage service rep named XXXX. I clearly, in no uncertain terms, told XXXX that I DID NOT WANT TO REFINANCE. My goal in accepting the call was for them to stop calling me. XXXX was offering to consolidate my debt a car loan and a personal loan into my mortgage with some equity cash out. My car loan is XXXX XXXX with only 4 years left. My personal loan has a quick repayment schedule less than 2 years. XXXX tried to convince me that this new mortgage would save me money because I would have smaller payments each month. I told XXXX that paying off a car and personal loan over 30 years, when I would be done in less than XXXX would be ludicrous. A rough calculation is that the new mortgage loan Rocket Mortgage proposed, would cost me {$360000.00} over the 30 years. There is no car that I own, worth even a fraction of that amount. XXXX and Rocket Mortgage are trying to dupe consumers into believing they would have savings through a refi because their monthly payments would be less. When I told him his logic was extremely flawed, he agreed to note my account that I WAS NOT INTERESTED and stop calling. 

I received subsequent calls and voicemails from Rocket Mortgage trying to re-engage me into this scam. XX/XX/XXXX from XXXX, XX/XX/XXXX from XXXX again, and XX/XX/XXXX from XXXX. Incoming phone number is XXXX. 

The worst part of this scenario is not the harassment, it was when I received a pay-off statement on my current loan with Rocket Mortgage via email on XX/XX/XXXX for my loan ending in XXXX. I immediately logged into my app with Rocket Mortgage and my current loan was no longer visible! They had initiated a refi WITHOUT MY APPROVAL! I can not even describe how violating this felt to me. 

I immediately spoke with someone at Rocket Mortgage via chat through the APP. They said, I had told XXXX on XX/XX/XXXX I was interested I refi! I told them to pull the call recording. I CLEARLY AN DISTICTLY TOLD XXXX NO on XX/XX/XXXX. They did show me how I could pull up information on my current loan with them because I wanted to make my monthly payment. I directed them to remove the refi from my account immediately. 

The worst part of this, is the number of uneducated consumers or mortgage holders that will fall victim to this scam. It is a deceptive practice and fraudulent to say the least. I suggest an investigation into how many refinances Rocket Mortgage obtained through these fraudulent means ( promising lower monthly payments while knowingly robbing consumers long-term of their hard earned money ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an active account on my credit report which is not correct. 
Loan care servicing shows that I have a {$500000.00} loan with them and my account is current and I have been paying them every month. 

They say XXXX XXXX XXXX  never informed them that my loan was sold to another company. 

Right now my Credit report shows two loan for the above amount. 

I called them a few times and each time they promise to take care of it and nothing happens. 

They told me that this account was closed in XX/XX/XXXX but still shows on my credit report as open account. 

I asked for a letter that states the statues of my account and they told me they will send it in 48 hours, it has been a month and I haven't received anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written a letter and asked XXXX and Experian multiple times to show me prof of my signature, picture, or any proof that I had consent on the hard inquiries on my credit report. Every time they replied they couldnt show me proof of any signatures indicating that it was me that made the inquiries. By law they are supposed to remove all inquiries if they cant provide proof. They are hurting my credit score by not removing the inquiries since they dont have any proof. I have three unauthorized inquiries that I dont recognize from both companies.
Product: Debt collection

I have a judgement with XXXX which is handled by tenaglia & hunt. We have been trying to obtain a payoff statement from them for over 6 months without response. We have funds in escrow from a property sale that we are waiting to send them, but can't get them to respond and send a payoff statement. the total judgement amount is {$3700.00}
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$XXXX} XXXX  XXXX AUTO XXXX Balance : {$XXXX} XXXX  XXXX Balance : {$XXXX XXXX XXXX Balance : {$XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$XXXX} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my XXXX XXXX and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Wallet was stolen during a vacation to Florida. My information has been used ever since.