23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is participating in deceptive practices I have reached out to the company numerous times about fraudulent accounts that are on my consumer report. I even educated them on the federal laws that they were violating and they still decided to violate my rights.

They are in violation pursuant to 15 U.S code 1681 b permissible purposes. They are also in violation pursuant to 15 U.S code 1681i ( 5 ) ( B ) ( ii ) ( iii ) deleting items off of my report and putting them back on without sending a reinsertion letter. Furthermore, they are reporting an account on my report that is not only fraudulent but it is being reported incompletely because it has no account number. I've sent over my Ftc report that they said they could not accept I've sent over an affidavit of truth and i have sent my letter to them certified with a return receipt so I know they have received my demands in writing. Federal law also states that when an account is being reported as the fraud it needs to be removed within 5 business days but XXXX keeps telling me that they won't take it off. I already have enough evidence to sue XXXX in a federal courtroom for the multiple violations but I want to give them one last chance to fix there wrongdoing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation.
Product: Debt collection

Year of 2023 I am requesting a assignment contract that which was not given to me.
Product: Mortgage

I am trying to work with this loan company. I inquired the home in XXXX 
I have called several times to inquire about payments. I was under a bankruptcy. It was dismissed. 
I have sent paperwork to this loan company : will, death certificate, the social security numbers. 

They keep telling me that I am a third party on this loan. I am willing to pay {$500.00} a month. I had my attorney sent them a write off stating my bankruptcy was dismissed. 
I called they again say they don't have the paperwork. My attorney also sent paperwork. 
I don't want to lose my home. 
I have a XXXX XXXX  and a brother that has XXXX they are with me. 
I am stressed out to no end. They say they don't refiance, I know my credit is bad but I manage to pay taxes. I have new cabinets in my garage but now it is on hold. I am not putting them in if they are taking my home. 

Please can you help me? 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A debt collector ( listed below ) contacted my mother to gain my information. During the course of the call, the collector gave her the information of the debt, including the amount being attempted to collect and the original creditor. I have not yet verified this debt and have been attempting to contact the original creditor before responding to the communication attempts with me, directly. 

I believe the collector did violate 15 USC 1692b, SubSection 805 ( part 2 ) by : Providing debt information to a third party, including the specific amount, without prior consent of the consumer. 

My age is XXXX XXXX XXXX, so my mother would have no obligation to the debt itself. 

She had her friend call the number and find out what it was about. The collector again provided information regarding the debt, despite the friend explicitly stating he did not know me personally. 

Caller : XXXX ( XXXX ) XXXX theinsightsolution.com Insight Financial LLC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Called my mother XXXX XXXX at XXXX on XX/XX/25 around XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report contains information about my transaction and experiences and according to 15 USC 1681a " A consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report ''. My utilization which is an experience has been included on my credit report.
Product: Credit card or prepaid card

My account information was provided to XXXX credit reporting companies without my written consent. No consent is identity theft. The company has stated that it is in their documentation to reports accounts and that I signed it when creating an account. I don't have an account with Capital One and never have had XXXX.
Product: Mortgage

I have an insurance claim and the insurance check was sent to my mortgage company for them to send out to me and my attorney. They got the check on XX/XX/XXXX. My attorney sent in the adjuster worksheet and contractor bid on this day via fax. They told us they were going to mail the check to me that day. I did not receive it soon after so my attorney called to follow up on XX/XX/XXXX. They needed their XXXX form to release the check so my attorney faxed in their XXXX that same day. The attorney called to follow up on XX/XX/XXXX to make sure they got the XXXX, they confirmed they did but had not sent the check out due to processing times. My attorney again called to follow up on the check being mailed out on XX/XX/XXXX, they then told the attorney 's office that they need the type of loss and contractor bid or supply list. My attorney office sent this to them again, they originally faxed it to XXXX on XX/XX/XXXX. My attorney office followed up on XX/XX/XXXX, they told the attorney office that they received the bid and are processing the check and it will be mailed out in 5-10 business days. On XX/XX/XXXX, the attorney called to follow up, she spoke to loss draft department and they told her they now need the XXXX for the contractor. The attorney sent it in. They told her to call back wednesday ( XX/XX/XXXX ) to follow up on funds. On XX/XX/XXXX, attorney called to follow up, they told her they need a letter stating that the contractor is aware and ok with not being on the check and having my attorney pay them in disbursements. They got and sent this letter in the same day. On XX/XX/XXXX, my attorney called to follow up, they said the check was approved today. we requested that they send the check overnight and take the fee from the insurance check. they confirmed it would be done. they said the check would go out in the next 2 business days. On XX/XX/XXXX, attorney called to follow up because the check had not been received, the loss draft department said the check was mailed on XX/XX/XXXX via REGULAR MAIL and that regular mail takes 5-7 business days to get to you. The attorney asked for a tracking number, there was no tracking number done on the check. We continuously checked both of our mailboxes until today when it is the 11th business day. My attorney called into the mortgage company today to see where the check was. They told the attorney they THINK it was mailed on XX/XX/XXXX but that they tried to call me and couldnt reach me so that is why it was not overnighted weeks ago. I called in today as well to tell them to stop pay and overnight the check with my attorney on the line. They said it will be another 7-14 business days for them to stop pay, reissue, and overnight the check. I asked them to overnight it to my attorney and they said they " might '' be able to do that but the girl wasn't sure.
Product: Mortgage

I was told I could get a loan modification Wells Fargo waited till last day an said they couldn't do it. Which made me have to file bankruptcy to protect myself. This was in 2015
Product: Debt collection

While I was undergoing a credit check in order to obtain my XXXX license, it was discovered that I had a previously unknown collection account on my credit. I contacted the debt collector " Southwest Credit XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone XXXX '' and was told it was a debt to XXXX from several years earlier. I asked them for verification of the debt, however all they sent me was what looks like a blank XXXX bill with the amount they say I owe as a " previous balance. '' I called them back and they told me that that was all that they have and I would have to call XXXX myself. When I called XXXX I was told that they do not know what they debt was for and that I would have to get that information from the debt collector. I talked to Southwest Credit XXXX XXXX time and they were very curt and said " We gave you what we have, now you need to pay. '' While no one at either XXXX or Southwest Credit can explain what the debt is for, my fear is that they are claiming that they never got their cable boxes back. When I closed my account I did so in person and turned in my equipment, but for almost 6 months I got phone calls almost every day saying I had not returned my equipment. I always told the caller that I did return my cable boxes and they always said they would look into it, and then the calls would keep coming. At this point I do n't know what to do, I firmly believe the debt is not valid and neither XXXX nor Southwest Credit will provide me with anything to show that it is valid ... however this is seriously endangering my employment and if it is not resolved soon I will be force to pay it. I 'm basically being held hostage and robbed.
Product: Credit reporting or other personal consumer reports

I recently noticed a fraudulent account on my credit report from XXXX XXXX XXXX, account # XXXX, opened on XX/XX/2019 with original balance of {$890.00}. 
I did not authorize this account and it is not mine. Identity theft report filed and included.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/year> XXXX XXXX, XXXX, and Equifax have 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the data is inaccurate.
Product: Credit reporting or other personal consumer reports

I settled a charged-off credit account with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Experian and XXXX continue to report late payments in the last 60 days on this account despite it showing the account has been satisfied with a {$0.00} balance. Both credit bureaus have reported late payments for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have filed multiple disputes requesting this to stop. My credit score remains low because of this negligent reporting.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment ( s ) reported on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and request their removal from my credit report, as they involve private information protected under the Fair Credit Reporting Act ( FCRA ).

Specifically, 15 U.S. Code 1681b ( 4 ) affords me the right to privacy by ensuring that any information related to my late payments, which may be considered private or sensitive, can not be disclosed to third parties unless necessary and in compliance with the law. Given the private nature of such information, I believe the reporting of these late payments may violate my right to privacy under this statute.

Therefore, I respectfully request that you review the reporting of my account and remove any late payment entries that may be in violation of my privacy rights, as outlined under the Fair Credit Reporting Act. 

Please provide written confirmation of the removal of these entries or any corrections made to my account. I also request an updated statement or credit report reflecting the necessary adjustments. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account 5 times and sent in all my information to verify it is myself making the request. I have applied for a full file disclosure and have not received one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - please update late payment all payment was made on time XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report
Product: Mortgage

I fill I was overcharged with fees, expenses and other charges on a loan modification agreement with my mortgage company ( American Servicing Company ). My mortgage ballooned from XXXX to XXXX dollars during the housing market crash in XXXX. 
I was in a bankruptcy situation with my house and was told to stop any payments on the mortgage during the bankruptcy. Well almost 3 years went by without any payments or contact with my mortgage company. They told me with the amount of other bankruptcies that they were overwhelmed and that they would get back with mine when they can. I was desperate to save my house so I waited for almost 3 years with no payments. I finally agreed on a loan modification so I had a home for me and my wife to life in. 
The problem is I fill is the amount of late fees and other expenses and almost 3 years of mortgage payments that were all of the sudden added to my mortgage. 
My mortgage went from {$250000.00} to {$330000.00}. {$72000.00} was added to my mortgage. 
principle {$250000.00} interest {$56000.00} escrow {$13000.00} late fees/nsf fees {$2600.00} recoverable expenses {$4300.00} {$72000.00} added to a mortgage from someone who is in bankruptcy already who is having trouble paying there mortgage to begin with, to telling them not to pay anything for almost 3 years then add all that interest, late fees, recovery expenses and escrow money seems like this should have been illegal. I thought 3 months was the amount of time for a bankruptcy, not 3 years. The loan modification should have been denied to me. I signed it at the time because I was desperate to save my house. Now the mortgage is getting to be to much for me.My question is there anyway I could find some relief from these charges or have some of these fees and charges reduced to lessen my mortgage. The total amount of money I borrowed to begin with was {$170000.00} to purchase my house 13 years ago, now I owe almost {$330000.00}. I am way underwater now on my mortgage. American Servicing Company which is owed by Wells Fargo was my mortgage company at the time. And I now know Wells Fargo has done criminal activity and am wanting to see if something illegal or something wrong done in my situation to add so many expenses to my morgage. 

My complaint is with American Servicing Company from XXXX loan modification agreement. American Servicing Company has since moved my mortgage to XXXX who is know handling my morgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  : - XXXX XXXX XXXXXXXX XXXX  : {$4400.00} XXXX, XXXX XXXX XXXX  : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX BL XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX {$4400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX I XXXX XXXX  : {$1600.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXI Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$470.00} XXXX XXXX XXXX : {$1600.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX  XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XXXX XXXX XXXX XXXX DEP OF ED {$600.00}
Product: Debt collection

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services
Product: Debt collection

On XX/XX/XXXX I contacted FMS to resolve my debt based on my credit report. I asked the representative what my total balance was with their company and she looked up several accounts and gave me a large sum. I asked for a settlement offer and was told {$520.00}. I accepted that offer and paid that sum of money. I paid {$520.00} and thought that it was the end of my business with FMS. 
On XX/XX/XXXX I received 2 bills in the mail for 2 more accounts with FMS dated back to XX/XX/XXXX. I re-checked my credit report and continue to see 4 balances with FMS which are different than what is listed on the bills. I contacted the company and they didn't seem to have any knowledge of the paid accounts. After providing extensive information, They finally located my payments and informed me that I paid for a number of other balances but that these balances are unpaid. They refused to tell me which balances have been paid ( so I can distinguish the paid balances that are inaccurate on my credit report ) and they are unable to provide me with an explanation of why I still owe them after I was given a settlement balance offer to settle all of my accounts with FMS. 
I was told that I was settled up with FMS only to find out that they did not disclose 2 accounts and they are continuing to try to collect on those accounts but will not provide the info for what I have actually paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, Over the past few months I have been trying to dispute the accuracy of personal information on my credit report and I have failed to get a resolution. Past addresses keep showing up, past employers keep showing, and unrecognizable spellings of my name to mention but a few. I sent disputes to XXXX, Trans Union, and XXXX that are pending for the last two months. Old accounts that were closed years ago are still showing and the number of open accounts, I have disputed but never had an updated result. Can someone with a better approach to the fair credit reporting act help me out, please?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX XXXX inaccurate XXXX  XXXX  XXXX XXXX inaccurate/no account COLLECTIONS DEPT OF VET AFFAI   XXXX {$0.00} inaccurate XXXX XXXX XXXX XXXX XXXX {$3900.00} inaccurate XXXX/XXXX  & XXXX XXXX {$130.00} inaccurate XXXX  XXXX  XXXX {$2500.00} inaccurate XXXX XXXX XXXX {$2300.00} inaccurate XXXX XXXX XXXX XXXX {$12000.00} inaccurate