23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Around XX/XX/XXXX, I began making payments of {$100.00} every month on the XXXX to a company called XXXX XXXX XXXX, payments which stopped coming out of my account around XX/XX/XXXX. I believed this was because either, I had just filed and been accepted for medical insurance assistance and that was helping me to some degree, or because of Covid-19, payments were paused. However, a new account was opened on my credit report from Capio Partners ( mispelled on the credit report as Capio Parnters ). This was added as a debt of about {$1800.00} which is around the price of my medical bill remaining. The problem is, I was never contacted about Capio Partners taking control over the debt collection from XXXX XXXX XXXX if that is what happened. And more so, I still have two accounts from XXXX XXXX XXXX ( both around {$500.00} ) that I had always assumed was just a weird reporting method as my payments always seemed proportional to what was removed from my credit report. I now allegedly have three derogatory marks on my credit report ( two from XXXX XXXX XXXX never contacting me and simply being unaware that I had a debt to pay, and one from Capio Partners for doing the same ) all for the same debt that was simply not explained properly to me during any given point. I was never called, emailed, mailed, texted, or informed by a person that I hd a debt through XXXX XXXX XXXX until a phone call two months too late and the same thing appears to be happening with Capio Partners.
Product: Mortgage

This is my fourth complaint with Fay Servicing LLC. I understand the definition of predatory lending and feel that I am currently being subjected to such by this company. My original complaint case # was XXXX was closed in XXXX. However, the information that was required to prove their case has not been provided. After 15 years of paying interest on my home XXXX sold the mortgage and put amounts on the back end of the loan that they could not prove. My first complaint to the CFPB for for that reason, proof that his amount was owed. Although paperwork was submitted by XXXX after the CFPB stepped in, that information did not show proof of the backend amounts. 
This case has been in court for several years now with even the judge not able to get definite proof. My next court date is XX/XX/XXXX. After 15 years of interest payments the loan was sold to XXXX with these backend amounts still unproven. Just recently it was sold again to XXXX XXXX XXXX. These amounts keep getting higher and higher and with no proof. I have not been paying my loan in this time because I fear any payments made would only be applied to the unproven backend amount. I did a modification with XXXX as well as XXXX XXXX and both modifications have come back with amounts that would hinder me the borrower from being able to pay. They have stripped me of all equity, made me uncreditworthy and have consistently encouraged me to take a loan that they know I can not reasonably be able to pay back. The documents from the modifications include unscrupulous practices carried out by the lenders. I have went through a 90 day trial period where I have made payments to these companies only to find out when the modification is done that that the lender has hindered my ability to repay this debt. Currently with the new modification I am required to pay Fay Servicing {$170000.00} by the XXXX of XXXX. Pay XXXX XXXX, who has the mortgage held in trust this time to hide the identity of the buyer, over {$300000.00} over the next 40 years which would make me XXXX at that time and then a balloon payment of {$120000.00} at the end of the 40 years. Totaling about {$600000.00} for a house that I only owed {$220000.00} for the remaining principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three bureaus by certified mail and no response. I have unverified items on my report. These are the ones : XXXX XXXX XXXX XXXX/ XXXX  , XXXX XXXX , Us Dept of Education # 15, # 49, # 004, # 003, # 002, # 001, XXXX XXXX # 97, 61.
Product: Debt collection

I got a call from my HR at work to tell me my wages are going to be garnished, due to a court ruling lether he got. This blew my mind because I could n't for the life of me think who this creditor could be and how do they have the right to garnish my wages without me knowing a thing about it. My HR gives me the number to call and the company is midland funding which I never heard of ever and they said they got a court ruling to garnish my wages, because they sent several attempts to my address on file and no response, so I ask for the address on file and it 's my mom 's house in which I have not lived in for 11yrs, and my mom never got any mail to me EVER. If I knew it was a court order I would of definitely responded. I know the FTC filed a lawsuit against tribute credit card and I do n't remember ever having that credit card and they could n't produce any info to me but that they are taking my money. This is so upsetting, because I live paycheck to paycheck. This is not right that a court and company will make their own judgements, while the the other person does n't know a thing that is going on. These people are incredible, and the extent they will go to embarrasse you and take your money. As if I had millions. Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2, states that a consumer reporting agency can not furnish without my written instructions.

Under 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 any purpose under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1 681 violations for willful noncompliance-6 16. Civil liability for willful noncompliance ( 15 U.S.C 1681n )
Product: Debt collection

Account opened due to Identity theft done in XX/XX/2017, I have provide police report and this company will not remove this account as fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found inaccuracies on the XXXX account. This account is closed and is showing late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # listed below, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to provacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have the following accounts reporting inaccuracies : XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX  - XXXX XXXX. XXXX XXXX XXXX  - XXXX XXXX. 

Hard Inquires 1. XXXX Inquired on XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX. XXXX XXXX  XXXX Inquired on XX/XX/2022 XXXX. XXXX XXXX Inquired XXXX XX/XX/2022
Product: Debt collection

Good evening CFPB, Southwest Credit has sent me letters stating I owe them {$200.00} from an old XXXX account which has been closed back in XX/XX/XXXX. This company has been sending me letters stating I owe them money, I think they are trying to bully me out of this money by sending letters stating that they are following and regulations, but how is it I owe them anything? They are not even a utility company. Enclosed you will see a letter that they sent to me after I asked them to please delete this from my credit file. I also learned that even if you were to pay these debt collectors they still will not remove those negative items from your credit report. Please help me resolve this matter and get this item deleted from my credit report. Attached you will find the letter they sent me dated XX/XX/XXXX, and the letter stating that they can not delete this from my profile. 
Thank you for your assistance with this matter.
Product: Checking or savings account

On XX/XX/2021 fraudulent purchases and withdrawals were made using my debit card number in XXXX, FL at various ATMs and business '. I was at work at Oregon Dept. of Fish and Wildlife in XXXX, OR at this time and did not make or authorize these transactions. There were 7 transactions in rapid succession. Two withdrawals for {$300.00} and one for {$400.00}. Two purchases were made for {$400.00} and two for {$410.00} and {$410.00}. When the fraudulent charges began happening, I received a call from a person pretending to be the Wells Fargo stating they were calling about the said charges. They attempted to ask for personal information, which I did not give them as I was suspicious having not placed the call myself. When I saw further charges being made, I turned the debit card off using the Wells Fargo mobile app and they ceased happening. I immediately called Wells Fargo and reported the fraudulent charges to open a fraud claim and Wells Fargo stated they would give me a decision in 5 to 10 business days. I then filed a police report with the XXXX Police Bureau and submitted the case number to the Wells Fargo fraud department. The officer who took the report to state the card was most likely skimmed at a gas station or other business recently to obtain the card number and PIN. On XX/XX/2021 I received and email from Wells Fargo stating they had closed my claim on XX/XX/XXXX and mailed a letter with their decision. On XX/XX/2021 I received the letter from Wells Fargo stating their investigation found that the charges were made by me or someone with my permission as the reason they were closing my claim. This was obviously fraud and my card information and PIN were obtained fraudulently and used without my permission to make these transactions and purchases. The speed, location and way in which these transactions happened are clear evidence of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several car companies that inquired about my credit when I didn't give them permission to. I reported it to XXXX, TransUnion, and XXXX and they haven't removed them from my credit report. The following creditors inquired without my permission : -XXXX  -XXXX XXXX XXXX XXXX -XXXX XXXX  -XXXX XXXX XXXX -XXXX XXXX XXXX ( XXXX ) -XXXX XXXX XXXX  -XXXX XXXX XXXX   -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX 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

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

These are the list of Account numbers that have broken privacy including the one above. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete certain accounts and public records from my credit file, as I am a victim of a data breach that has affected my credit. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), which entitles me, as a victim of identity theft, to have fraudulent information removed from my credit report. 
The following accounts, which were fraudulently opened or affected, should be blocked and deleted from my credit file XXXX XXXX XXXX XXXX  - XXXX XXXX. XXXX - Date Reported : XX/XX/XXXX - Amount : {$00.00} XXXX XXXX XXXX - XXXX XXXX. XXXX - Date Reported : XX/XX/XXXX - Amount : {$00.00} XXXX XXXX XXXX - Case No. XXXX - Date Reported : XX/XX/XXXX - Amount : {$00.00} XXXX XXXX  - Account XXXX. XXXX - Date Reported : XX/XX/XXXX - Balance : {$1000.00} XXXX XXXX XXXX Account No. XXXX - Date Reported : XX/XX/XXXX - Balance : {$680.00} XXXX - Account XXXX. XXXX - Date Reported : XX/XX/XXXX - Balance : {$160.00} XXXX XXXX - Account XXXX. XXXX - Date Reported : XX/XX/XXXX - Balance : {$2300.00} XXXX XXXX - Account XXXX. XXXX - Date Reported : XX/XX/XXXX - Balance : {$00.00}
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 months nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. FTC XXXX Filed, see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received an email about a new item on my three major credit reports. There is a collection company named Carter-Young , Inc., located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, which reported an account in collections. This company never notified me of said debt. They have never given me verification of the said debt but reported to XXXX, XXXX and XXXX unlawfully.
Product: Mortgage

I will layout my complaints as follows : XXXX. I feel that a loan work out was deny because I am XXXX 2. My file was lost for three months. I submitted the " Receipt of Application Assistance for Home Assistance Program '' on XX/XX/XXXX after my housing XXXX talked to a Bank of Albuquerque representative stating that they never receive the " The Receipt for Home Assistance Program-package. 
Although, we have a fax confirmation that states that the fax was transmitted. The Bank of Albuq. rep. requested we resubmit the package again which was on XX/XX/XXXX. 
In addition to this, my file was over looked previously for a year until I had to go to court on XX/XX/XXXX to reinstate the foreclosure documents. I disagreed. For 15 months that my file was overlooked, it has accrued late charges/inspection fees/late fees/taxes/hits on my credit which lowers my Fico score. Is this nickel and dime tactic adding to sabotage my chances of keeping my home? 
3. Taxes/Escrow : I called the Tax Accessor for my county an she stated that my taxes for XX/XX/XXXX were {$1100.00} and I could apply as head of household for " Freeze of Taxable Value in which they would freeze the amount of the {$1100.00} because I am XXXX. I also called an XXXX rep. to acquire a fair estimate for house insurance. After answering some questions about my dwelling she stated a quote of {$58.00} a month for house insurance and if I included my car it would go down to {$48.00} with a {$2000.00} deductible. Bank of Albuq. 
is charging me {$2400.00} more for home insurance a year. I would insure my home and include my car which would be around {$570.00} a year plus the {$1100.00} for property tax equals to {$1600.00} for both my Taxes/Home Insurance. They are over charging me ... ... ... why? 
4. Communication has been hard. This includes me also. 
5. Disclaimer : I had applied for XXXX around XX/XX/XXXX and did n't get awarded until XXXX XXXX. It took nearly XXXX yrs. 
to received it. One of my conditions is rare. XXXX. They asked if this hardship would be temporary or permanent? Is this a discriminatory question? 
This XXXX contributes to my physical conditions that transfer into XXXX daily. Unfortunately, the un- employment, involuntary reduction of income, and payment shock in the increase of the escrow and the adjustable mort- gage rate has place this mortgage dilemma as more of a hardship to everyone involved.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Demand for Immediate Deletion of Fraudulent Accounts and Compliance with FCRA To Whom It May Concern, I am formally disputing the reporting of the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  accounts on my Equifax credit report. These accounts were fraudulently opened in my name due to identity theft, and both creditors have confirmed that I was a victim of fraud. Despite this confirmation, Equifax has failed to properly investigate and remove these accounts, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
I have repeatedly submitted supporting identity theft documents through the CFPB website and by certified mail on XX/XX/year>. However, a representative from the Equifax Consumer Affairs Department, XXXX ( Employee ID : XXXX ), falsely claimed that Equifax has not received these documents. Furthermore, Equifax has refused to block these fraudulent accounts under FCRA 15 U.S.C. 1681c-2, which states that a consumer reporting agency must block fraudulent information within four business days upon receipt of proof of identity theft. 

It has also been confirmed by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  that they have never received any dispute or fraud notification from Equifax regarding these accounts. This raises serious concerns about Equifaxs failure to properly process and communicate disputes, which directly impacts my ability to restore my credit.

Resolution Demanded : Immediately and permanently delete the fraudulent XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts from my Equifax credit report. 

Provide written confirmation that these accounts have been deleted and will not be reinserted in the future. 

Ensure compliance with FCRA laws by properly investigating and blocking fraudulent accounts upon receiving supporting documentation. 

If this matter is not resolved within the 30-day timeframe required by law, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General for further action. Equifaxs failure to process disputes and block fraudulent accounts violates the FCRA, and I will not hesitate to seek legal remedies to enforce my consumer rights. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

on XX/XX/XXXX, I found that the XXXX XXXX rewards certificate with a value of {$160.00} of my XXXX XXXX XXXX XXXX by Citi was never sent to me via email as they claimed in XX/XX/XXXX. 

Also, on the same day, I talked with XXXX XXXX and they said they can redeem that expired rewards. 

However, on the next day ( XX/XX/XXXX ), I chatted with XXXX customer service and asked for the XXXX rewards certificate. They refused to re-issue the XXXX rewards certificate, which they never did in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon careful review of my updated Credit Report, it has come to my attention that inaccurate information is being reported in my personal credit file. The Credit Reporting Agencies, specifically Equifax, have failed to comply with the provisions outlined in the Fair Credit Reporting Act, specifically 15 USC Section 1681i. They have continued to report unverified information without providing the necessary proof as required by law. Despite my repeated requests, the Credit Bureaus have not properly identified and provided the required verifiable proof within the stipulated timeframe. This unauthorized information includes inquiries that I did not authorize and for which I have not granted written permission. The Credit Bureaus have neglected to remove these inquiries from my credit file as requested : XXXX XXXX XXXX XXXX XXXX XX/XX/2023. Once the unauthorized inquiries have been successfully removed, I kindly ask that you provide me with an updated copy of my credit report. Your timely attention and resolution to this matter will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I received a copy of my Lexis Nexis credit file and discovered inaccurate and illegal information listed in my file
Product: Credit card or prepaid card

On XX/XX/2022, I reported my credit card as lost/stolen by PNC and replacement of credit card. They replaced my whole account instead of card. Now it hurt my credit score.
Product: Payday loan, title loan, or personal loan

I was off work due to an illness and I spoke with a lady about making payments and she told me it had to be paid in full. I thought I had insurance to cover when I wasn't working. Also, they reported a bad debt to credit bureau when they could've just contacted me to fix it.