23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it May Concern, I am reporting two incidents of identity theft involving myself. On XX/XX/XXXX, I noticed a XXXX XXXX XXXX XXXX account attached to my XXXX credit report. I contacted XXXX XXXX XXXX  various times from XX/XX/XXXX - XX/XX/XXXX in attempt to dispute this fraudulent account. 

On XX/XX/XXXX, a closed XXXX XXXX account with five late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was added onto my XXXX credit report. 

Ive had a XXXX XXXX account for a long time and have always made monthly payments on time. The fraudulent XXXX XXXX had directly impacted my personal and professional life which has caused me a significant amount of stress and XXXX. The fraudulent XXXX XXXX account has XXXX  late payments with red late payment showing on my credit report. I have attached documents of my accurate XXXX XXXX account as well as on time monthly payments with green checked marks for reference. 

During XX/XX/XXXX - XX/XX/XXXX, I spoke with several differenXXXX XXXX XXXX XXXX representatives during this time frame. Each XXXX XXXX XXXX  representative I spoke with told me different solutions regarding my situation or hung up the phone on me. I throughly explained my situation and being victim of identity theft. For example, in XX/XX/XXXX, one representative assured me he would be taking the account off my XXXX credit report and that I would not be charged anything and no further actions would need to be taken on my part. Yet again, another representative promised to me that the account and debt would be taken off my credit report and no further steps on my part would be necessary. After several months and various attempts to resolve the situation, I escalated the situation to an higher up XXXX XXXX XXXX employee who could not help me either : Around XXXX, I noticed a new fraudulent error on my credit report. That fraudulent error being a {$910.00} XXXX XXXX XXXX balance in was sent to Credence Collections. On XX/XX/XXXX, I disputed this fraudulent debt from XXXX XXXX XXXX for the XXXX  time and XXXX finally removed the {$910.00} XXXX XXXX XXXX balance from Credence Debt Collectors from my credit report. However, in XX/XX/XXXX, a new {$910.00} XXXX XXXX XXXX balance from Credence Debt Collectors was added on my credit report again after XXXX removed it the first time on XX/XX/XXXX. On XX/XX/XXXX, I disputed this fraudulent account once again by contacting the XXXX disputes department. 

Due to this situation, my overall credit score has significantly decreased which has directly impacted my personal and professional life. This has been an ongoing traumatic situation for myself. I do not know what to do at this point to resolve this as this has been an ongoing issue since XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting

I sent a certified letter to Experian, XXXX, and XXXX disputing inaccurate information on my report. All XXXX agencies received the letters as I have copies of the return receipts from USPS. XXXX and Experian have not responded to my dispute which was mailed on XXXX XXXX, 2016. It has now been 56 days since I sent the letters.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction XXXX XXXX XXXX that I have made. It is the result of identity theft.
Product: Debt collection

I have been receiving daily calls from this number which is supposed to be PayPal Credit since XXXX. Prior to that the calls were from Syncrony Bank and they started in XXXX. 
I do not answer these calls because I do not and have not done any business with PayPal Credit or Syncrony Bank. Also because according to XXXX this number has been associated with SPAM calls. 
I have been the victim of identity theft XXXX times since 2020 and do not answer calls from strangers, so I have blocked the calls. I can provide the times and dates of the daily calls. I have tried to text PayPal Credit, they do not respond. 
Additionally, I have logged into my PayPal account which I use for purchases and I have no debt or problems with with that account. I have reported these calls to them as fraudulent.
Product: Mortgage

nationstar /mr copper, is attempting to foreclose on my home with a fraudulent that contains robo signers. I have asked that the foreclosure be stopand my QWR be answer with the debt validation
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the CRA 'S due to XXXX XXXX XXXX XXXX XXXX XXXX ) trying to collect an alleged debt that has not been validated. The original creditor, XXXX XXXX has been sent a CFPB complaint. The alleged collection agency, XXXX XXXX has no verifiable information such as a website, phone number, address, and they are not listed on the CFPB or XXXX Additionally, XXXX XXXX has failed to provide their license to collect debts in the state of XXXX. After conducting my own search through the XXXX XXXXXXXX XXXX, I have found that XXXX XXXX XXXX is not registered to conduct business in XXXX. Their business transactions have also been forfeited in the state. These actions indicate that they are engaging in illegal business practices within the state. How are the CRA 's allowing an unregistered business to report on consumer reports? This is illegal. Given these violations, I am requesting the immediate removal of this tradeline from my credit report. Furthermore, the information reporting on my credit report is inconsistent between all XXXX credit bureaus. XXXX XXXX has also been accused of a loan churning scheme according to the CFPB and I will use this information in court.
Product: Credit reporting or other personal consumer reports

I have received my XXXX XXXX which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any XXXX XXXX against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX  can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX 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

A fraudulent account was opened in my name in XXXX XXXX XXXX XXXX. This was identity theft. I sent in previous documents reported to law enforcement and XXXX XXXX  removed the account and then put the account back on my credit report. I contacted the fraud department on XX/XX/2023 and the representative confirmed that the account was removed and then put back on my credit report. This information was provided to me from the XXXX XXXX representative on a recorded line and Iwould like this fraudulent account removed.
Product: Debt collection

Letters with certified return receipts with sent on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/20XXXX XXXX
Product: Credit card or prepaid card

Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XXXX 2017 because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX 2018 on my credit card accounts.
Product: Checking or savings account

On XX/XX/year> my debit card number was stolen by a XXXX employee who spent {$130.00} on a phone item through XXXX XXXX. When I noticed the charge I locked the card and went to Regions Bank and received a new card. Regions only allows a charge dispute through their message robot online. What a joke. 

Regions mailed a letter upon their investigation and found no fraud was caused. All they had to do was call XXXX which they didnt because they are lazy. Regions never returned the fraudulent charge. Banks never protect your money as they state. XXXX XXXX has consistently told me they cant refund the money from their end and I have to do it through my bank. 

They need a pin to access the account of the fraudster. They said once the bank disputes the charge they will return the funds and turn the persons phone off. Ive even filed a police report. Upon my personal investigation I found the person who stole my card information. I never use my debit card at restaurants or for fast food for this purpose and then I did by accident and she took a picture of the front and back of the card with her phone. She was caught on surveillance doing this. 

I have screen shots below of the bank letter from Regions and a XXXX XXXX chat listing the woman who stole the card numbers name. She has been fired and hopefully go to jail for identity theft. Regions asks me to fax them information. What a stall tactic by them. Nobody in America uses a fax machine anymore. I just want my tiny little money back and the thieves locked away.
Product: Credit reporting or other personal consumer reports

Ive been in communications with this company about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my le. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the condentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My only name XXXX XXXX XXXX  My only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My only date of birth is XXXX My only employer is XXXX XXXX XXXX XXXX XXXX are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Debt collection

I have no knowledge of a XXXX XXXX XXXX  XXXX XXXX XXXX please investigate and remove all unauthorized unvalidated accounts from all three credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally request arbitration. Upon thorough review of my credit report from XXXX, XXXX and Experian, it has become evident that numerous discrepancies and inaccuracies still exist within the reported information. I disputed the completeness and accuracy of the reporting, unfortunately, their response stated that the reinvestigation was over, and the data was considered verified and complete. This statement begs doubts considering the blatant errors in a number of areas, including high balance, last verified date, date of last activity, date reported, date opened, balance owed, closed date, account rating, account description, dispute status, creditor type, account status, payment status, and original creditor. As required by 15 USC 1681i ( 5 ), if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.
Product: Debt collection

I have been sued by Midland Funding LLC and am currently making payments of XXXX for credit card debt. I feel that this is one of Midland 's robo-signed lawsuits and a default judgement was granted because I was under great duress at the time this was filed taking care of XXXX parents and did not understand the judicial process or have the means to fight it. Many many times I was contacted by the " Internal Legal Dept '' I have contacted Midland several times via email as to why I am not getting a monthly billing statement for this payment. I continue to pay XXXX each month but feel as though this falls under the CFPB XX/XX/2015 ruling against Midland. I was also initially told NOT to respond to the lawsuit once I had made payment arrangements after I was served - I was scared and stupid
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX off XXXX Recent changes XXXX Credit score XXXX point since XX/XX/2023 Balance Increased XXXX account balance increased ^ Between XX/XX/2023 and XX/XX/2023, your XXXX  automotive account balance increased by {$150.00} from {$35000.00} to {$35000.00}. 
It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Balance Decreased XXXXXXXX XXXX XXXX account balance decreased Today XXXX XXXX XXXX XXXX How does a loan increase with no missed payments. This showed up on my credit report from XXXX XXXX to equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to a background check for XXXX a XXXX  contractor. My results came back incorrect and I want to resolve the issue by getting the right information replaced. My case is pending but the court has messed up my charges and have not fixed them yet so I will be talking to my lawyer about this but once that end is taken care of I will need to address and fix the problem with you. Contact me via XXXX XXXX XXXX
Product: Mortgage

I have been trying to complete a loan modification on my account for Months with Bank of America Mortgage, i received major conflicting information within days that makes absolutely no sense from one day to another. I can no longer handle the gross incomitance this 'Bank '' shows on a NormaXXXX basis. 

Here is what happened I applied for a RMS ( request for mortgage assistance ) for a loan modification back in Around XX/XX/2022, many months went by with no word until XX/XX/2022 when i received a letter of a " Notice of intent to foreclose '' Please note i have an active loan modification application ( dual tracking ) I called in To Bank of America at telephone Number XXXX on XX/XX/2022 at XXXX eastern time this call lasted XXXX minutes and XXXX seconds, during this phone call I was informed that the underwriter had notes from back in XXXX of XXXX  asking for additional information. I was asked to send over this info, which i did VIA fax. ( 4 months in limbo on a loan Modification ) A few days later XX/XX/2022 @ XXXX i received a call from Bank of America from the same telephone number noted above that " They have my pay stub info and now needed clarification on my Annual bonus on my pay stub '' Which i also sent out. During this time i received a substantial Pay increase at my job I was informed that i had to show more recent pay stubs showing this. Which on XX/XX/XXXX i sent. 

On XX/XX/2022 i received a phone call at XXXX from the same number again stating that the updated pay rate was received but they YET again needed info on the Annual Bonus i receive, which i sent out AGAIN. 

On XX/XX/2022 @ XXXX XXXX  XXXX i received a phone call from the same number stating that they now need an Older pay stub showing my annual bonus on when it was paid out, which i sent the same day. 

Today XX/XX/2022 i received a letter that states That they are No longer able to review my application because they didnt receive all the info requested. 

How is that even possible?? Everything has been faxed to Bank of America XXXX # XXXX I need a fix to this i can no longer handle Bank of Americas incomitance There seems to be complicate issues here to as loan mods are time sensitive
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Upon reviewing my credit report, I noticed that the account shows a negative payment status, specifically indicating that it's 30 days late. I would like to formally request that you furnish me with the proof of this late payment. If unable to do so, I kindly ask that you remove the negative payment status associated with the account. Your prompt attention to this matter is appreciated, and I respectfully request that you conduct a thorough investigation in line with the Fair Credit Reporting Act. I would appreciate it if you could provide me with the results of your investigation and an updated credit report reflecting the necessary corrections within 30 days of receiving this letter. XXXX XXXX, XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX.
Product: Credit card

I tried to add my credit card to XXXXXXXX XXXX XXXX i was told i needed to call to verify my identity which i did by providing my 'secret word ' that i setup when i got the credit account years ago. They then asked for a phone number to text me a verification code, which they didn't do and instead said they needed a second phone number to text me at also. i provided them two phone numbers at which point the customer service rep told me i needed to provide more phone numbers. I don't know how many phone numbers they think people have or that i need to provide, but two phone numbers is more than enough. they then asked me to give them my bank account numbers. when i tried to ask why they are asking for so much information from me when i've had the account with them for years, they went silent and refused to speak. i hung up and called back. I got a different customer service rep who told me that my account was now locked and that they would no longer be providing me any customer service. I asked to speak to a manager or supervisor and was told that there are no managers or supervisors working and that i'd have to wait up to 48 hours for someone to maybe call me back. i tried asking why they won't just verify my identity and why they're making me jump through all these hoops and they refused to answer me or provide me any answers. i then told them to go ahead and just cancel my credit card since they don't want me as a customer and they refused to cancel my credit card.
Product: Debt collection

This collection is reporting closed and supposed original creditor is also reporting this on my credit report. There's a lot of inaccurate reporting between Jefferson capital and XXXX. Booth are reporting the same unknown debt.
Product: Credit reporting or other personal consumer reports

Here 's a memo to the Consumer Financial Protection Bureau ( CFPB ) disputing the inaccurate late payment information on your credit report : -- - **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX [ Email Address ] [ Phone Number ] **XXXX  XXXX, XXXX **Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX # # XXXX **Subject XXXX Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate late payment information reported by the XXXX major credit bureausXXXX, Experian, and XXXX  my XXXX  account ( Account # : XXXX ) XXXX 

Below are the specific details of the account as reported by each bureau : - **XXXX** - Account Type : Credit Line - Account Status : Open - Monthly Payment : {$8.00} - Date Opened : XX/XX/XXXX - Balance : {$18.00} - High Credit : {$100.00} - Credit Limit : {$1800.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

- **Experian** - Account Type : Credit Line - Account Status : Open - Monthly Payment : {$8.00} - Date Opened : XX/XX/XXXX - Balance : {$18.00} - High Credit : {$100.00} - Credit Limit : {$1800.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

- **XXXX** XXXX Account Type : Credit Line - Account Status : Open - Monthly Payment : {$8.00} - Date Opened : XX/XX/XXXX - Balance : {$18.00} - High Credit : {$1800.00} - Credit Limit : {$0.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I request that the CFPB investigate this matter and instruct the credit bureaus to remove the incorrect late payment information from my credit reports. I have maintained current payments as indicated by the " Current '' status in all other areas of my account details, and the reported late payments are erroneous. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX
Product: Credit card

To whom it may concern, I subscribed to a service that was a 30 day trial cancel any within 30 days and I would get a full refund. The name is XXXX XXXX. Within those 30 days i tried contacting them via phone that they had provided but was unable to reach them so that I can cancel. I filed a dispute with my credit card company discover but was unable to solve my problem and they determined it was valid. 

XXXX XXXX- Posted on my account XX/XX/2023 2023