23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX is claiming I owe them a debt. They have not verified the amount which is incorrect, have re-aged the date ( claiming the " delinquency '' is newer than it really is ). Falsely reported it to the credit bureaus, even though another company they contracted with stated they would not be reporting it, and did not notify me they were attempting to collect on a time-barred account, as per XXXX XXXXXXXX XXXX. They also have not provided any documentation that would prove they have a legal ownership of the alleged debt.
Product: Credit reporting or other personal consumer reports

I was XXXX on XXXX XXXX & entered the XXXX XXXX XXXX XXXX. I was released on XXXX upon my release I became aware that I became a victim of identity fraud. there were a serious of accounts opened in my name using my personal information without my consent. The accounts are listed as follows XXXX XXXX account XXXX. XXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX account # XXXX all these accounts are fraudulent & I have filed & provided a police report as well as provided a letter of XXXX stating I was XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts. As Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

My credit was used back in 2012 to get XXXX cell phone service I never given any permission to open any account in my name. I resolved this matter 7 years ago
Product: Mortgage

My salary got reduced and payments were high. XXXX XXXX XXXX my mortgage company filed foreclosure. Unable to come up to the huge amount they demanded I filed for chapter XXXX motion to stay since I only had 21 days to respond or lose my home. Later XXXX XXXX XXXX transferred my home to Rushmore. I found Rushmore inflated the amounts i owe and made it impossible for me to maintain the payments and increase the interest higher. I absolutely disagree on the amount they came up with. After making a steady payments and staying current they sent a letter calming I missed payments for 9 months and filed a foreclosure for a short sale. In between I received a letter from the government stating I qualified for a new program called Harp for a fixed rate. I was filled with hope and agreed and singed on. Front cover looked like a government offer for home owners to keep their home from Obama. HOPE and Hud were on every page approving this modification. Later XXXX which was working on behalf of XXXX XXXX XXXX asked a retaining fee and lawyers fee which I paid informing me the money would be added or count as a payment for my mortgage. I paid {$1600.00} each month to them for a period of 3 months. I do n't remember the application fee amount. The process took more than 5 months and i was warned not to speak to the mortgage company since they were the lawyers they must speak to them. One of the documents I signed stated I was not allowed to contact the Rushmore. Later on I received a letter and a auction sale on my property with an eviction notice from Rushmore. Heartbroken I contacted my chapter XXXX lawyer and asked how this can happen. I found out the XXXX part was fraud and I was a victim of scam. I did not question it because the flyer looked like it came from the government. I need help. I want to keep my house. I 've worked to hard and believe in the American dream.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX are glad to hear XXXX XXXX festing up about the scam conducted against me by XXXX XXXX his family and supporters are truly a nightmare over a decade of major frauds and he slipping through the system. Your letter dated XX/XX/XXXX are a sign that this will soon be resolved but let it be known and factually clear that you employer XXXX came across to me as very honest person and she said that YES THIS IS YOUR LOAN BUT THERE IS ANOTHER NAME HERE XXXX XXXX. You can always play it for the CFPB to hear that I am giving all facts no lies. 

A huge problem is they were able to steal my claims including the XXXX as I am the guy from XXXX XXXX XXXX with the trust account and appears my resolution with XXXX XXXX  got stolen from me. Unfortunately the amanzes have went to everyone judges, police and brokers saying he conducted this loan with wells fargo without years and years not clearing this up and i suffered from. Then XX/XX/XXXX upon my leaving out the very next day i came back to finish moving and he and XXXX XXXX refused to let me in to get my other items. I had a brand new washer, dryer, microwave, stove and refrigerator and were locked out by them and i walked away from this denying me that they did. 

Then in XX/XX/XXXX he started an action in court an PPO saying I were threatening he and his family. I SWEAR TO GOD THAT WHEN HE STARTED THESE LIES THAT I WERE THREATENING HIM I HAD NOT SEEN HIS FACE SINCE XX/XX/XXXX UNTIL AT THE PPO HEARING SINCE HE HAD MOVED IN MY HOUSE IN XX/XX/XXXX AND JUST SEEMS UNREAL HE COULD HAVE DONE THIS. 

PLEASE NOTIFY THE XXXX POLICE WHOM HE CONSTANTLY TOLD THEM THAT HE BOUGHT THE HOUSE FROM XXXX XXXX FOR XXXX, A LIE. 

THE FEMALE DETECTIVE THE FIRST TO HAVE THE INVESTIGATION CASE TOLD ME, IT IS HIS HOUSE AND HE BOUGHT IT FROM XXXX XXXX FOR XXXX.
Product: Debt collection

Continues to call me even though debt was erased from report knowing they cant legally collect on debt due to wrong information. They call me 8 times a day and sometimes after XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not minds i hire three credit repair companies in the past but its still on there. 
XX/XX/XXXX hire credit repair companies XX/XX/XXXX hire credit repair companies XX/XX/XXXX hire credit repair companies
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

To who 'm it may concern, I am writing this dispute on behalf of Experian. I have contacted Experian via phone and via certified letter on behalf of  XXXX  unauthorized hard inquiries. I have had a fraud alert in my credit file before also my personal information was combined with someone else 's personal information now I have a fraud alert due to identity theft that indicates anyone who runs my credit needs to contact me to verify if it 's me seeking credit and that was n't done and that violates my rights as a consumer. I have reached out to Experian on more than one occasion to advise of my credit being pulled with out my permission and request them to delete the inquiries with no result.
Product: Checking or savings account

we filed dispute for auto service which they refused to fix it ( didnt fit but didnt receive any refund on that ) so we filed claim thru our bank boa, but claim denied.
Product: Credit card or prepaid card

Sears Citibank credit card charging on my credit card that I have had since XXXX XXXX %. My Citibank XXXX  is charging 7.24 %. I have emailed Citibank Sears and advice I have been a customer for 34 years, any my XXXX score is XXXX. Citibank Sears responds back on XX/XX/XXXX, we are unable to lower the APR because you already have the lowest interest rate available for this account at this time. 

I want my APR lowered to match Citibank XXXX and other credit cards.
Product: Debt collection

I was looking through my debt on XXXX XXXX when i noticed u had some debt in collections i did not recognize. I tried to find more info but XXXX XXXX did not provide any more details on it. I called the company to ask for more info but they asked me to provide them info i did not have since i dont have an account with them. They also asked for my social which i am not comfortable providing since i know nothing about this company and the person answering the phone was not from the US. 

The company name is JeffersonCapital XXXXXXXX XXXX XXXXjcapXXXX
Product: Credit card or prepaid card

On XX/XX/, I made a purchase at XXXX with my Citi DoubleCash card. The card terminal stated that my purchase was {$28.00} and I swiped my card and left. When I checked my email, I saw that Citi had redeemed XXXX of my ThankYou points on the purchase without my consent. I was never prompted to use them at any point during my purchase. These points have a worse value when applied to a purchase at a store than when theyre redeemed for cash back ( i.e. I received a {$10.00} discount off my XXXX purchase but I could have redeemed them for {$12.00} cash back ). Citi is not abiding by the terms of their cashback program and many other customers online have complained about similar practices. Theyre using customers cash back rewards without the customers consent to save themselves money.
Product: Debt collection

A lady came to my home to serve me papers. She left them at my door. I got off work and responded the following day by contacting the courts as directed. According to the papers the address they had on file was my XXXX. I haven't lived there in over XXXX years. I have been residing in the state of Texas for 10 years. The courts directed me to contact the company, so I did. the company said to file this report so that is what i am doing now.
Product: Vehicle loan or lease

On XX/XX/2024 I called PenFed and attempted to schedule two payments to bring my vehicle loan current. I specifically requested that these payments be scheduled for XX/XX/2024 and XX/XX/2024. The representative verbally acknowledged these payments and expressed understanding of my request. I received a confirmation email a few moments later and noticed that the representative had initiated a payment dated XX/XX/2024. This payment was not initiated or authorized by me. I immediately called PenFed customer service and spoke to a different representative who verbally told me that he was going to " put in a request '' to cancel the payment scheduled for XX/XX/2024. He then scheduled another payment for the correct date of XX/XX/2024. On XX/XX/2024 I received a notification that the payment from XX/XX/2024 had gone through. I immediately called PenFed and the representative this time told me that I had not cancelled the payment 24 hours in advance and she could not do anything, but she would " put in a request '' to have the payment reversed. She also explained that the payment would not post to my checking account for 3-5 business days. That evening {$410.00} was taken from my checking account causing it to be overdrawn. I spoke to a few more representatives, but no one will even attempt to correct the fraudulent transaction. This situation has caused me a significant financial hardship and I have explained the problem to PenFed multiple times, but they keep saying that I should have cancelled the payment 24 in advance. I continue to explain that I did not initiate or authorize the payment taken from my account on XX/XX/2024, each representative responds by telling me that they are " submitting a request '' but nothing ever comes of these requests. I have sent multiple emails to PenFed between XX/XX/2024 and XX/XX/2024. PenFed refuses to respond to any of my emails. My checking account has been overdrawn for several days and I am experiencing significant hardship due to PenFed 's fraudulent transaction against my account. I am requesting the reversal of the fraudulent charge and lost wages as the fraudulent charge has caused me to be unable to go to work ( due to the negative balance in my checking account ). I am also requesting that I be reimbursed for three overdraft charges ( {$15.00} each ) incurred as a direct result of the fraudulent transaction. PenFed initiated, carried out, and processed a payment out of my checking account that I did not initiate or authorize. PenFed was alerted at every step what had happened and refused at every step to reverse the fraudulent charge. 

*For clarification, the fraudulent charge initiated by PenFed was debited from an external checking account.
Product: Debt collection

This Company by the name of XXXX XXXX XXXX XXXX has placed 3 collections on my consumer credit report and I have reached out to the major credit reporting agencies and they are verifing these fraudulent accounts to be accurate and they are not. However, I contacted the Company directly and they are still not trying to hear me out even after I sent documents to plead my case in the matter. 
First account is in the amount of {$1600.00}, opened around XXXX. XXXX ; second account is {$1400.00} and was open on or around the time of XXXX. XXXX and the last account is in the amount of {$580.00} and open date is Also, XXXX. XXXX. Please reach out to them and have this issue fixed asap.
Product: Credit reporting or other personal consumer reports

I never gave written consent for these companies to have access to report anything without my consent which is a violation of my consumer laws 15 usc 1681e ( a ) ( b ) and violation of 15 usc 1681c LIST OF FALSE INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Trying to refinance my loan to lower rate with J P M Chase already have existing loan, they have gone from {$7.00} to closing the loan to {$10000.00}
Product: Student loan

Sallie mae is very sneaky, I thought I had rights that I did not have based on sneaky advertising practices, I was not aware they could collect debt even if I was still in school or collect debt while I was out of work. They would never work with me or set up a resonable payment plan because I was n't a " govt. '' loan. I was very confused about my rights and would have never gotten the loan if I had known I did n't have the rights. Also they sold my loan to a collection agency something I was not aware they could do.
Product: Debt collection

Repeated periods of several hours where receiving multiple calls from similar or the exact same number. Most recent occurrence was the same number calling me 4 times in a period of 2 hours.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization UNAUTHORIZED INQUIRIES DUE TO IDENTITY THEFT 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Account XXXXXXXX XXXX XXXX  Account XXXX XXXX  Account XXXX XXXX Account XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

Best Egg is basically calling my place of employment multiple times a day almost every day of the work week. I need this to stop for as I am in fear of losing my job because they constantly harass my place of employment. I have XXXX along with XXXX which stems back from a work accident which killed a coworker right in front of me. Im pretty much XXXX as since my wife and I had to move in with my parents. I am very worried that my employer may take action against me for the harassment coming from Best Egg Financial
Product: Mortgage

In XXXX, my property was assigned a new PIN ( property identification number ). On XX/XX/XXXX, I wrote a letter to my mortgage company, CMG Financial, about the PIN change, identifying the new PIN number, requesting confirmation. I did not hear back from them. In XX/XX/XXXX, I contacted CMG by phone to follow-up on the letter and spoke at length with a customer service representative ( I don't recall her name ) about the PIN change, and she reassured me the tax bill would be paid on the new PIN number. On XX/XX/XXXX, I wrote CMG again, this time about another issue with my escrow account and also confirmed the new PIN again but heard nothing regarding the PIN. On XX/XX/XXXX, I received my property tax bill, payable by XX/XX/XXXX, mailed it to CMG with a note to pay and a copy of the XX/XX/XXXX letter, requesting confirmation of payment but heard nothing from CMG. On XX/XX/XXXX, prompted by intuition, I contacted CMG by phone and spoke with XXXX in the XXXX Department. He could see no record of a PIN change or a property tax payment in the amount that was now delinquent. I have spoke with CMG again on XX/XX/XXXX, when XXXX said the issue should be resolved by XX/XX/XXXX, 6 weeks past the property tax payment due date. I called again on XXXX, left a message but received no response. In between XXXX and XXXX, I sent multiple emails to CMG with verification of the new PIN from XXXX XXXX Tax Assessor but received no response. I even involved my real estate agent who helped me with the PIN change, but CMG refused to talk to him, so he sent them an email without receiving a response. On XXXX, I called CMG and spoke with XXXX again, who said they have no evidence of a tax payment being due, despite the fact that I mailed and emailed them a copy of the tax bill and told them the amount and due date over the phone multiple times. As a result, I have incurred a {$73.00} delinquent payment penalty by the XXXX XXXX Treasurer 's Office, which CMG also refuses to pay, and was forced to pay {$4900.00} out of my personal bank account to cover the unpaid property tax bill that was due to be paid out of my funded escrow account with CMG. There have been multiple communication breakdowns with CMG due to their negligence in following through on payments and updates to my account since the loan was approved in XXXX. I believe this is a serious infraction of the contract I have with CMG, and I can no longer trust them to pay my property tax bills, yet they continue to collect funds for to allegedly pay this from my escrow account. I have asked to remove my escrow account, but they decline based on multiple requirements, including the XXXX ratio. CMG has been irresponsible with my property tax payments, and I request that they be held accountable and that I be reimbursed for the {$4900.00} from my escrow account in addition to the {$73.00} penalty fee for payment delinquency.