23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my credit score on Monday XX/XX/2019. I noticed a " derogatory remark ''. Apparently a company called XXXX XXXX XXXX XXXX asked a collections agency, to collect {$860.00} from me. This is negatively affecting my credit score. At this time, I have never received any notice nor bill from XXXX XXXX XXXX XXXX or the debt collector. To the best of my knowledge, neither party has tried to contact me with regards to the alleged debt. 

I tried to contact the alleged original creditor, XXXX XXXX XXXX XXXX. However it seems they have no central location and are practically impossible to contact. I managed to contact the billing department of a hospital they are affiliated with, who in turn gave a number to call, but the number is out of service. I received no bill from them, but they're still able to affect my credit score like this? How can a company who claims to improve the public 's quality of life, act with such flagrant disregard for the well-being of the people it's meant to be serving? If their claim is legitimate, why couldn't they get my information from my insurance company like every other health service? Whoever XXXX XXXX XXXX XXXX is using to handle their billing is either incompetent or unscrupulous. Possibly a combination of the two. 

I am a recent college grad, trying to start out my life with my wife. I am currently applying for jobs, apartments, credit cards, etc. The apparent, reckless negligence of XXXX XXXX XXXX XXXX is severely and unfairly, negatively affecting my livelihood.
Product: Mortgage

This is concerning fees charged by Champion Mortgage Reverse Mortgage Servicing Department. Champion sends monthly reverse mortgage statements showing detailed transactions. The monthly statement for the period, XXXX XXXX, XXXX, showed XXXX property inspection fees ( XXXX XXXX and XXXX XXXX ) of {$20.00} each. Upon review of previous monthly statement, I discovered {$20.00} property inspection fees were assessed each month from XXXX XXXX XXXX, XXXX. In sum, for six months, from XXXX XXXX XXXX, XXXX, Champion charged XXXX property inspection fees of {$20.00} each. Additional fees include a property appraisal fee of {$330.00} on XXXX XXXX, XXXX, and attorney fees/costs of {$290.00} on XXXX XXXX. XXXX. All of these charges were added to the loan balance each month. I called Champion Mortgage on XXXX XXXX, XXXX, to inquire about these charges and was told to submit a written request. A written request was mailed on XXXX XXXX, XXXX, with a follow-up request on XXXX XXXX, XXXX. Champion responded on XXXX XXXX, XXXX, stating, " A response will be provided no later than XXXX XXXX, XXXX. However, responses are generally provided in less than ten days from receipt of the correspondence. '' I have not received a response. 
For the record, this property has sold and settlement was XXXX XXXX, XXXX. Champion was notified and a copy of the listing agreement was mailed to them on XXXX XXXX, XXXX. A copy of the sales contract was mailed to Champion on XXXX XXXX, XXXX. This property is in a condo development with all brick exterior. I can assure you no one representing Champion entered the condo for the appraisal or the XXXX monthly inspections. It has been four months since I contacted Champion concerning fees assessed for property inspections, an appraisal, and attorney fees without response.
Product: Student loan

I was forced into forbearance after graduating because my job at the time did not pay enough for me to support myself and also pay back my student loans- as a result, I have a huge amount of interest built up from the forbearance. In addition, after both my parents died last year ( who were co-signers ), no loans under their names were forgiven- they were put onto me which I am still currently paying back, along with the interest.
Product: Payday loan, title loan, or personal loan

When I filed an application for a loan I clearly expressed that I get paid biweekly, and when I called to explain the situation to the CSR, she stated that its nothing she can do about it, and the payments that are being taken out of my account has gone towards interest payments in the amount of {$590.00} for a {$400.00} loan.

I assumed that the interest payment was a one-time payment towards the total loan not applied to every single payment I will be making towards the loan, it was not very clear in the contract of the actual rate of terms was not clearly stated. Since then I have requested to cancel my continuous authorized payments ( CAP ) 2009, until they change my payments term to meet my biweekly pay terms without being penalized with additional interest charges. 

I could have paid the loan off if they did not take my payments as an interest payment and do n't apply anything towards my principle loan until after they received the {$590.00} first. This is clearly a ripoff towards consumers, and should not be allowed to get away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to file dispute with XXXX, XXXX and Equifax for incorrect payment history on XXXX account XXXX XXXX, their online system did not allow me to file dispute. I am within my rights pursuant to FCA to file dispute.
Product: Checking or savings account

I disputed a transaction in which i paid for a service and the supplier of the service then ghosted me and provided no service at all. I disputed the transaction and wells Fargo denied my dispute with no reason at all and left my account with a negative balance, i tried to reopen and they closed my account with a negative balance. I believe they are trying to send my negative balance to collections and ruin my credit score. this is not fair at all.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report and act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality. 

XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account Resolution XXXX Account # XXXX, These companies has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 602 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 item of information, other than records of convictions of crimes, which antedates dates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any reporting agency if the person knows or has reasonable calls to believe that the information is in accurate.
Product: Debt collection

After getting a alert from my credit reports I noticed a debt that I know nothing about and contacted the collection agency Credit Collection SVCS and never received any verification that this fraudulent debt belongs to me AND THEY REFUSED TO SEND ANY VERIFICATION!
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged 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  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry on XX/XX/2022 on my credit report from a data specialist company. After contacting them, I was informed that the inquiry was requested by Rocket Mortgage. I missed a call earlier in the day but have not spoken to anyone from Rocket Mortgage, nor have I consented to a credit inquiry. This is a fraudulent, unauthorized request which may prevent me from obtaining financing from lenders. I've reached out to Rocket Mortgage directly but I was told there is nobody available to take my call and they are not accepting messages.
Product: Credit reporting or other personal consumer reports

XXXX continues to show information on my credit report after I sent numerous items to them showing I was a victim of ID theft through numerous data breaches. I attached all the proof and even told them I wrote to each of the companies I disputed with to ask for proof of how these accounts were opened in my name. NONE of them responded with any proof and all I got is a letter saying " We understand your concerns but have not found reason this is ID theft or fraud ''. I asked THEM to produce proof of how these were opened so I can dispute factually each thing they are reporting wrong, but each company not only produces no proof, they and XXXX continue to report these files on my report inaccurately. The companies in questions are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  who not only fails to investigate, they passed this off to a 3rd party collection, blocking every attempt I make to look deeper into this. 

XXXX now makes my ability to review my files or dispute online unavailable and I can not dispute numerous items including those above. Same with Equifax. Nobody investigates properly, nobody looks into materials I have provided showing data breaches and nobody fixes my accounts
Product: Vehicle loan or lease

I applied for a " check ready '' Loan with PNC Bank on XX/XX/year> and was denied. Regardless the Reason for being " denied '', I have the Right to Credit. Not only that But withholding my access to my Securities Is " securities fraud ''.

PNC Bank as " issuer '' has violated the terms and agreements within their agreement with THE XXXX XXXX XXXX XXXX XXXX, asTrustee, The Equal Credit Opportunity Act, and the Consumer Credit Protection Act. I called and spoke with an Executive in Customer Relations, as she stated she has supplied a solution to this concern. After a week of trying to get ahold of her her then redacted her email by phone by telling me the inquiry will not be removed, not answering to the nature of the complaint of my security and to redact ym application since my credit was being denied.
Product: Credit card or prepaid card

I opened a Victoria Secret Credit Card with Comenity Bank in XXXX, Ohio. I had a fraud alert placed on my credit report that requires credit issuers to verify additional information regarding my identity since XX/XX/2020. After, I opened the Victoria Secret account online, I received a letter to call the bank to verify information by phone only. The information was successfully verified and a credit card was mailed to my address. I later attempted to use the credit card at the store but the card was declined. The store clerk physically scanned a copy of my Kentucky State government identification card but card still remain locked. I was told to call customer service. I called customer service. The representative alleged she mailed multiple letters stating that I need to verify my identification a second time, although I had already verified it. I never received such a subsequent letter, but I only received billing statements showing no payment due. The representative alleged I needed to send copies of a picture identification ( front and back ), a copy of a social security card and federal W-2 tax forms. I sent in the documents provided by the representative, but after 30-days, I never heard from the bank again, the account remained active. Oddly, during this same waiting period, I started receiving massive phishing scams from other companies by email, text messages, and physical mail. All three credit bureaus added fraudulent delinquencies and altered my credit score by 100 points. I received fraudent inquiries from the Kentucky state voters registration database. I received fraudulent notices alleging to be from the IRS that claimed my identity can't be verified with payment slips attached to send money, when no payment was due. Also, XXXX XXXX XXXX fraudulently closed done my cell phone a few weeks ago, although it was prepaid cell phone, claiming the company can longer verify my identity and that I need to come to store in person to verify my identity. All this companies sent computer generated notices claiming legitimate accounts are be closed after alleging fraudlent transactions were taking place, when no transactions existed and no bills were due. Also, my autopayments for multiple insurance and another credit cards was stop without notice. After investigation by XXXX XXXX XXXX, this false notices appear to be from website technical error or a XXXX attack. Recently, in the news Russians have attacked multiple government agencies through a " back door '' XXXX  attack. There also appears to be a DoS ( Denial of Service ) XXXX Attack. I believe this employees are engaging in phishing scams or these companies were effected by the recent XXXX XXXX attacks in the United States. My legitimate accounts are being closed and credit bureaus reports are being updated with phony addresses in Virginia, 30 minutes from Washington DC or the XXXX, which indicates these are XXXX attacks or XXXX.
Product: Debt collection

I requested this item be removed from my credit report via postal mail on XX/XX/year> and it was not removed.
Product: Mortgage

Over a year ago we received a letter indicating that our remaining escrow balance was being returned to us. They said that the check they mailed us got returned to them and that I needed to fill out their online request to receive another check for our excess escrow that we overpaid. I filled out their online request for another check for the following : Nationstar, Control Number XXXX, Check Number XXXX, Transaction date XX/XX/year>, Amount {$250.00}. 

I received a printout saying it would take 8 to 10 weeks after our/the response due date on the letter. After contacting them for over the last year and half they say they have now changed their name from Nationstar to Mr. Cooper and have no records of our lost escrow. Its criminal what they have done. I am also filing a complaint with the Attorney General in the state where the headquarters of Nationstar / Mr. Cooper are located to try and get to the bottom of where our money went. This has been extremely frustrating trying to recoup our overpaid escrow balance. Thank you for you time and help.
Product: Checking or savings account

Name : XXXX XXXX XXXX ID : from CHEXSYSTEMS Date of Birth : XX/XX/scrub>XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ChexSystems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my chex systems consumer report. I have NEVER opened or used the following account numbers : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Routing # XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Chex systems Consumer report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. Sincerely, XXXX XXXX
Product: Debt collection

This is further to my prior CFPB complaint number XXXX. 

The complaint response letter you attached is for another person, in violation of their privacy. 

Please address MY complaint ( see below ). 
Please confirm whether you sent my prior complaint response to someone else in violation of my privacy. 

Original complaint : I would like the following from the debt collector, Johnson Mark LLC : Who was the original creditor? When was the account charged off? What was the balance at charge off? When did you acquire the account? How much do I owe to clear the debt from my credit report? How can I submit payment upon verification of the debt? Ive called XXXX on 3 different days and could not be connected to a representative. File XXXX
Product: Checking or savings account

I can not get access to my account. I have been working with the bank for months and I still can not get access
Product: Debt collection

This company has been notified that my father was a victim of identity theft. He had checks stolen from a third party known to him and used in various businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my consumer report and it caused severe XXXX upon me. According to the Fair Credit Reporting act XXXX, TRANSUNION and XXXX has violated my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction. 
-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy Here are the errors as follows : 1. XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX 2. XXXX XXXX XXXX  OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX 4. XXXX XXXX OPEN DATE : XX/XX/XXXX 5. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX 6. XXXX XXXX OPEN DATE : XX/XX/XXXX 7. XXXX XXXX OPEN DATE : XX/XX/XXXX. XXXX 8. XXXX  XXXX OPEN DATE : XX/XX/XXXX. XXXX
Product: Payday loan, title loan, or personal loan

FTL denied me credit after running my ssn. They are in violation of the Equal Opportunity Act, 15 USC 1691c. 15 USC 1642, and 12 CFR 1002.7 ( a ).
Product: Debt collection

Experian Reporting inaccurate information on my credit report about debt. I told them I was incarcerated at the time this happened.
Product: Prepaid card

I cant use this card in any stores! I have tried XXXX and XXXX and much more and its not being accepted anywhere! I would like a check in the form of the amount so that I am able to use it. Im frustrated of trying to use this card and not being able to spend it!
Product: Checking or savings account

On XX/XX/2023 I open a claim against XXXX XXXX because they sent me damaged shoes and wouldnt take my return. Wells Fargo sent a letter today XX/XX/2023 that they would not refund me anything because damaged goods are not XXXX responsibility and its the shipping services fault and Wells Fargo wouldnt help me. 
They denied my dispute claim and closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple errors, inaccuracies, witho no validation, been over 30days 60dat etc The account of : Al child support..has violated my rights.. 
15 usc 1681 section 601 A.

15 usc 1681 section 604 A section2 15 usc 1681c ( a ) ( 5 ) 15 usc 1681-2 ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by speedycash I was given a loan via my bank. I do not have a bank nor had one. I had in past 5 years gotten loans from them only in person and paid them all. I got a text saying I got a loan and had a payment due the same day. When I called them I was told money went to my bank. I had no bank. I complained to XXXX who told me it's accurate. It is not. Now I see payments were made except not by me. Please fix this. I've worked for 3 years and haven't been late on one of my 8 credit cards and now it's ruined and XXXX can't tell me who's acct it is or who's making pymnts. Please help me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. 

Please delete the following accounts : 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

This letter is to inform you that I recently received a copy of my credit reports from Transunion and XXXX  and after reviewing my reports I found a number of items on the report that are inaccurate. The account in question is XXXX and please see the information provided from employee XXXX XXXX ( Customer Service Manager ). 

Today on XX/XX/XXXX I spoke with XXXX to discuss my reporting and she advised that the account was closed XX/XX/XXXX. On my Transunion report the date reported is XX/XX/XXXX. In addition, the first date of delinquency was XX/XX/XXXX however, in the payment history for XX/XX/XXXX the account is listed as OK. However, in my XXXX  file, the date of first delinquency is listed as XX/XX/XXXX. Cleary, there is no merit amongst the reportings and you are in clear violation of the FCRA. 

Please send me copies of the documents that you have in your files as of this date that you used to verify ( not validate ) the accuracy of the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified but send me copies of the documents that you have in your files that were used to verify the reportings for XXXX If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please 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 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 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 the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed from all three credit reporting agencies.
Product: Debt collection

Portfolio Recovery calls repeatedly after XXXX XXXX. They will constantly call from different numbers. They bought a very old debt I had and will not stop harassing me.