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

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, Experian, XXXX  ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Checking or savings account

I SUFFERED FROM IDENTITY THEFT. I WENT TO CHIME AND DISPUTED THE TRANSACTIONS FROM MULTIPLE COMPANIES.THERE WERE UNAUTHORIZED AND FRAUDULENT TRANSACTIONS DONE FROM A FEW COMPANIES. I PROVIDED A HAND WRITTEN, INK STATEMENT SAYING I DID NOT AUTHORIZE SAID TRANSACTIONS FROM SAID MERCHANTS. THE EXACT EXAMPLES ARE " XXXX '' AND " XXXX ''. THEY DECIDED TO CHOOSE WHICH TRANSACTIONS THEY CHOSE TO DENY WITHIN HOURS AND WHICH TO ISSUE MY TEMPORARY CREDIT. THEY FOLLOWED TO CLOSE MY ACCOUNT AND NOT PROVIDE ME WITH INFORMATION AS TO HOW THEY DECIDED THEIR VERDICT. THEY HAD ME OPEN A REBUTTAL AND XXXX TICKET ORDERS LATER THEY CHOSE NOT TO GIVE ME INFORMATION REGARDING WHO OR HOW THE " INVESTIGATIONS TEAM OR DEPARTMENT '' CAME TO THEIR VERDICT. ACCORDING TO THEIR XXXX  " NO LIABILITY POLICY '' I AM ENTITLED TO A TEMPORARY CREDIT AS THEY CONDUCT THEIR INVESTIGATION. NO ONE IS ALLOWED CONTACT THEIRT INVESTIGATIONS DEPARTMENT AND THEY CANT EVEN GET A HOLD OF THEM LET ALONE KNOW WHO WORKS ON THESE DISPUTE CASES. 
THIS HAS CAUSED MY FAMILY A LOT OF HARDSHIP AS TO ME HAVING TO BORROW MONEY WHILE THEY GIVE ME NO ANSWERS. I AM IN A FINANCIAL HARDHSIP AND WHAT THEY ARE DOING TO ME IS WHAT THEY DID TO THOUSANDS OF PEOPLE RECENTLY. THERE WAS A XX/XX/XXXX RULING ON CFPB ORDERING THEM TO PAY BACK OVER A MILLION DOLLARS FOR THE SAME ILLEGAL PROCESS THEY ARE CURRENTLY DOING TO ME. ALL I ASKED AND ASK FOR IS THE TEMPORARY CREDIT I AM DUE ACCORDING TO THEIR POLICIES AS THEY CONDUCT THEIR INVESTIGATION. 
I HAVE ALL AND MANY MORE OF PROOFS OF WHAT I SENT TO BE COMPLIANT. WILL SEND MORE IF ASKED. 

IN THE EXAMPLE OF XXXX  OR XXXX, I ALSO HAVE " XXXX XXXX  '' IN WHICH I NEVER USED THEM BEFORE THE DISPUTE OR AFTER, BUT THEY PICKED AND CHOSE WHAT THEY WOULD ISSUE TEMPROARY CREDIT TO AND WHAT THEY WOULDNT ALTHOUGH THEY WERE DONE ALL EITHER A DAY OR HOURS IN BETWEEN.
Product: Mortgage

I was in the forbearance plan for 3 months and me and my lender had an agreement on the repayment plan which is a 6 months repayment plan, I've been paying for 2 months and on time, they filed negative info to all 3 bureaus for 60 late, I called and questioned them but their answers was this is my true status, my account is still being late and delinquent. According to the CARES Act, during the forbearance plan or lender and borrower have reach a repayment plan right after the forbearance, lenders should report the account as current NOT delinquent, lender should not report any negative to any bureaus.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX  XXXX, [ XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Mortgage

In XXXX I applied and received a HELOC loan from PNC Mortgage. In XXXX I was forced to file XXXX XXXX XXXX due to the loss of my company after the market crash in XXXX. This 2nd lien was included in that Bankruptcy filing. It was my understanding that PNC could no longer collect on the loan and PNC did not contact me post-bankruptcy by mail or phone since the bankruptcy until now. I did maintain my first mortgage and continued to make payments post-bankruptcy. I was even able to modify the mortgage in XXXX without knowing the lien from PNC still existed on my home. Which as I understand now means that they approved my mortgage company to maintain 1st lien position ahead of them on the title. Still I did not hear from them. Now I am trying to sell my home for what I believe to be the only debt and their lien surfaced at my closing as needing to be paid in full. The balance of the lien is the entire amount of equity I have in my property which I was relying on to move. I am now at risk of having now money if I pay them off or being sued by the purchaser of my home if the sale does not go through. If I pay them, I will be homeless as I cant afford another home without the sale proceeds. While I understand that under the XXXX filing they were not required to release their lien, I have consulted with other industry mortgage servicers and understand in XXXX the CFPB required servicers to send monthly statements to borrowers in this exact situation so they were NOT surprised like I was with a debt that I thought was gone. If they had done that and followed the regulatory requirements, I would not be faced with homelessness at this time. I would have been able to make other financial decisions. How can they not follow servicing rules and require me to pay them all this money that I didnt know I owed from over 12 years ago? It did not appear on my credit, I received no mail or calls. Ive suffered great emotional and actual financial harm in the last few weeks while they have not resolved this situation or relented on the funds due. Is this happening to other borrowers too? Only now, since Ive attempted to get this cleared are they sending me mail about loss mitigation assistance options. 
Also, as of today XX/XX/XXXX I was told by the attorney that the buyers want me out by XX/XX/XXXX so they can take ownership. I am in need of an answer quickly and don't know what to do. Thank you so much for your time. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX AND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XX/XX/XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Credit reporting or other personal consumer reports

inquiries that was not authorize or recognized complain I contacted XXXX Experian about the following to be removed from my credit report immediately 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 ) I made complaints to XXXX and Experian about not recognizing these inquiries and might be identity theft and or fraud
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX FL XXXX To Whom It May Concern, This letter is regarding accounts XXXX  XXXX XXXX, which you claim I owe {$1400.00} as a duplicate collection. XXXX XXXX XXXX XXXX which you claim I owe {$2800.00}, {$3200.00}, and {$5700.00} on XXXX different collection accounts. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and Equifax ) from your company is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : - Defamation- Negligent Enablement of Identity Fraud- Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX. 
XXXX FL XXXX Last XXXX of XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had paid a settlement with Portfolio recovery. They agreed to take everything off my credit report if it was paid. So I paid them on XXXX XXXX and now they are refusing to remove their info from my credit report. It was a recoreded conversation. I want this removed due it its been paid and it has a XXXX balance now. I have talked to them several times about deleting this and they refuse even though that was the agreement.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations.I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Charge off account on Santander Consumer USA auto loan with account number XXXX, opened on XX/XX/2015, and a balance of {$0.00}. This item is on my XXXX credit report and I tried removing it numerous times, however, it was unsuccessful. I have never took out an auto loan from them, in-fact, I was not even in the country XXXX they are violating the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged erroneous activity, not later than XXXX business days after the date of receipt. 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

This company is reporting a debt on my consumer reports that does not exist. After numerous disputes and a XXXX complaint, the company finally sent over what is has as validating documents and it is truly a joke. The documents show no proof that I owe the original creditor nor do they show exactly what this supposed debt is for. If this company had done a proper validation of this debt they would clearly see that the original creditor is overreaching and I owe them not one red cent and, if anything, they owe me money. I have attached what they have sent as validating documents and, as you will see, this company is in clear violation of several consumer protection statutes for the amount owed being reported. Business practices like this must be curtailed. It is truly disgraceful that this company calls themselves reporting a $ XXXX debt ( effectively ruining me and my family 's lives ) with the attached documents as their only validating documents. It's disgusting and shameful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), # 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 a account without my written instructions
Product: Debt collection

Dear Equifax, I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding a fraudulent account that has appeared on my credit report. I recently discovered that my personal information has been compromised, leading to the creation of an unauthorized account under my name. I have taken the necessary steps to dispute this account, but I am deeply concerned about the potential impact on my creditworthiness and financial well-being. 

Below, I have outlined the details of the fraudulent account : Account # : XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$680.00} No. of Months ( terms ) : - High Credit : {$680.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX I have already initiated the dispute process and provided supporting documentation to prove that I am a victim of identity theft. However, I am concerned about the potential negative consequences of this fraudulent account on my credit history and overall financial reputation. It is imperative that this matter is resolved promptly and accurately to mitigate any further damage. 
I kindly request the following actions be taken : Conduct a thorough investigation into the fraudulent account and promptly remove it from my credit report. 
Update my credit report to reflect the correct and accurate information, ensuring that no traces of the fraudulent account remain. 
Place a fraud alert on my credit file to prevent any further unauthorized activity. 
Provide written confirmation of the removal of the fraudulent account from my credit report. 
I understand that resolving this matter may require time and effort. However, given the severity of the situation and the potential long-term consequences on my financial standing, I trust that you will handle this complaint with the utmost urgency and diligence. I also request that you keep me informed of the progress made and any actions taken to resolve this matter. 

Enclosed with this letter, you will find copies of relevant documents supporting my claim, including a police report I have filed regarding the identity theft incident. Please treat this matter with the seriousness it deserves, as I am eager to restore my creditworthiness and regain peace of mind. 

I look forward to your prompt attention to this matter and a resolution that upholds the highest standards of accuracy and consumer protection. I can be reached at the contact information provided above should you require any further information or clarification. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Factor Trust I have spent two extremely frustrating hours trying to place a credit freeze on the Factor Trust account as well as getting a copy of my credit report. I have gone to many sites and I agree Im not good with computers, but this was by far the most difficult one that I have ever encountered. I had to put my name address, etc. in the box about 15 times only to have it delete and ask again and again for exactly the same information. The past word had to be excessively complicated and impossible to remember when I had all of that done it asked me for my personal information again and again and again. Then it kept sending codes to my emails and I would have to type it in and when I went to get my credit report, it sent another code I came back and it said I took too much time and it asked for all of my personal information again. I am disabled and this sort of nonsense is extremely hard on me physically and mentally. 
I would like to have a copy of my credit report and also to place a security freeze on the account so that my information is shared with no one except for me. When I clicked on security, freeze it recycled again and again asking me for the same personal information that took me 15 minutes to type in. This is ridiculous and I would appreciate your help.

I wouldnt like to also know why my information is being sold without my permission or knowledge I have included a copy of my Social Security card and drivers license to verify. Here is some small examples of what I was put through as you can see in the screenshot. 
Thank you XXXX XXXX
Product: Debt collection

This debt collection company who say they are lawyers have repeatedly tried to garnish my wages filing in different counties from where I live ... the first judgment was dismissed by XXXX County the county I live in due to fraud ... after that dismissal they then filed garnishment in XXXX county where I did not receive any notification of court proceedings until after it was apparently ruled in their favor my wages were garnished for a few months then I received notification that all garnishments would cease due to fraudulent filings then a year later I received garnishment proceedings from the county of XXXX to seize my property in the amount of {$7200.00} when the debt that was owed to Discover was only {$5000.00} ... this company is going from county to county to sue me and this isnt fair the debt owed is 6 years old and has been sold to 3 different debt collectors this company rudely calls anyone that is associated with me even after filing lawsuits with several county courts
Product: Debt collection

Notice, it is a Fact, that, I, agent for principal XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the XXXX both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX, and autograph as the agent and administrator in fact. Notice, it is a fact that, I, agent for principal XXXX XXXX and XXXX, have reason to believe and do so believe, I the consumer, owe no such alleged debt ( s ). Notice in Fact, I, agent for principal XXXX XXXX and XXXX, have never signed a CONTRACT or PROMISSORY NOTE with PORTFOLIO RECOV ASSOCIATES. Notice, it is a Fact, that, I, agent for principal XXXX XXXX and XXXX, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. Notice in fact, I demand these items stop being furnished on my consumer reports or pay me {$4300.00} for every minute they've been reported on my behalf. Notice, it is a fact, without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact. Notice, it is a fact and I, agent for principal XXXX XXXX is aware, an unrebutted affidavit stands a truth in commerce. You have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents, or failure of response, and the particular requests to rectify any fault by PORTFOLIO RECOV ASSOCIATES herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in my disputes twice now to Experian and they keep sending me stall letters. I have sent them the information needed to dispute my credit report.
Product: Debt collection

southwest credit system, L.P. has been contacting me to collect a debt from the original creditor XXXX, this is a fraudulent account i have never had a XXXX account i have disputed this twice, the first time they say the account came back as mines but did n't report me any proof of the validation of this account, i then disputed a second time only to receive a negative on the dispute status, i never signed a contract with XXXX, and i never signed anything to pay southwest credit system debt