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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and UPDATED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX  Bankruptcy Case Number : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was contacted by phone with XXXX people impersonating people from the Office of the Inspector General/DOJ , the Social Security Adm , and my local Police Dept. They informed me that my SS XXXX  was being used to open other accounts around the country and that all accounts would be closed for further investigation. I was told that I could put some money into a special account that I could access until I was given a new SS XXXX. I went to my local XXXX XXXX to send a domestic wire transfer to a Chase Bank in California for {$46000.00}. After completing the transfer, I became very worried about what i had done. I went back to the XXXX to stop it, too late. I filed reports with my local police, XXXX, FTC, XXXX, XXXX of California, and my XXXX. I tried to talk to Chase Bank and its Claim XXXX with little success. They didn't seem to be concerned that an account was being used to scam elderly people for fraudulent purposes and possible money laundering. I fear that these people will continue to prey on and take advantage of others.
Product: Mortgage

My previous mortgage holder, XXXX XXXX XXXX, did not accept a modification agreement, sent to me by themselves, which I returned on time ( in provided overnight delivery XXXX envelope ), 2 copies with my signature on both of them> I left one copy to my self. I paid 7 months Trial period payments of ( $ XXXX ) and 10 months of modification payments, as it was on agreement signed by me, but after all, XXXX XXXX XXXX attempted to foreclose on my property numerous of times. After I filed a complaint in a Missouri Small claims court, XXXX XXXX XXXX transferred the case to Federal Court and tried to dismiss it. Thet, in the middle of litigation XXXX XXXX sold my mortgage to SPS, inc. ( Select Portfolio Servicing ), which repeats the lies of XXXX XXXX XXXX, by saying that I paid only 3 months of TPP ( trial period payments ) and XXXX XXXX XXXX did not approve the modification. Both of them are disregarding my 17 months of payments, by mentioning only 3 of them!!! They lie in Federal and State Court rooms, under the oats they take! This is a capitol offence and forgery all in one! 
I want the truth to win over the lies of these mortgage holders! I am defending not the walls of my property, but my dignity and my right to defend myself against any crooked bank or organization, that ruined 10 years of my life and made me XXXX XXXX XXXX XXXX and very XXXX   person. They took me from enjoying my family and my children for 10 years and still doing this up untill today. In fact, tomorrow SPS, inc will attempt another foreclosure of my property. I will be fighting against this once again.
Product: Credit reporting or other personal consumer reports

I previously sent communications of evidence of fraud and identity theft to XXXX XXXX XXXX of TRANSUNION XXXX Documents included were verifiable proof of identity theft It was sent via certified mail return receipt and my commands was not met. I am an XXXX XXXX and I am not a XXXX XXXX XXXX XXXX, STATUTORY CITIZEN and Im not subject to any foreign jurisdiction. I am XXXX XXXX XXXX and my free national name is XXXX XXXX XXXX and I am the original creditor whose rights have been extremely violated. This is a huge consumer rights violation which this in itself is hypothetication I demand that this misrepresentation be corrected immediately. I am in full life and Im not dead at sea. Nor did I give consent verbally or otherwise to have the legal fiction for the use of XXXX XXXX XXXX I will attach the irrefutable documents to clear up any misrepresentation.
Product: Debt collection

A delinquent account was reported by CCB XXXX back in XXXX of XXXX 
The delinquent amount was due to changes in bank accounts and the debt was covered immediately when informed about the issue. 
The balance on the report indeed is XXXX dollars yet it is still showing and affecting my credit score.
Product: Mortgage

B of A is showing a home equity line of credit as still open on my XXXX and XXXX credit reports. that account ( XXXX ) was closed 7 years ago. It also shows that it was included in BK, which it was not. It should fall off of my credit profile in the next few months ... ...
Product: Mortgage

I had to file for Bankruptcy to protect my home because the bank has refused to modify my mortgage for years. This started in XX/XX/XXXX and Wells Fargo told me in order for them to help me I had to stop paying my mortgage with XXXX and when they take over the will modify my mortgage. When they finally took over they have continued to deny my modification even though I qualify. Now the prices are starting to come back up in Florida, I believe they are illegally denying me so they can sell the house for more and deny me again. The statute of limitation in Florida is XXXX years and my foreclosure ha been going on for longer than that. Why is the government and the state continuing to let the banks get away with this??? I want an answer ans want the banks to be held liable for what they have been doing to home owners since XX/XX/XXXX! Please respond! 
XXXX. XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are failing to report that the following account is in fact In Dispute. XXXX XXXX/XXXX   XXXX  partial account number XXXX. Experian and XXXX  are failing to report XXXX  partial account number XXXX is in fact In Dispute. XXXX  is failing to report XXXX partial account number XXXX is in fact In Dispute. ( I have attached pages from my credit report for reference on the accounts listed above. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Product: Debt collection

In XX/XX/XXXX of this year, me and my wife became aware that were are victims of identity theft. I have been actively disputing the ( XXXX XXXX outstanding collections that this company is reporting as my debt. Apparently, multiple checks were written to a grocery store XXXX, WA back sometime between XXXX - XXXX XXXX 2010. I have reached out to this company as well as my continued efforts of disputing these accounts as fraud XXXX to no avail. I have submitted my ID on multiple occasions and have directly challenged for the collector to confirm that these are legitimate collections. I have never been to XXXX XXXX, WA, do not know anyone there and have certainly not written any checks at a local grocery store. These accounts continue to adversely affect my credit file ( s ). There is no way that this company has any documentation that would validate these debts as mine!
Product: Vehicle loan or lease

XXXX XXXX XXXX is the lender, XXXX. XXXX XXXX XXXX, TX XXXX, is a preparatory lender and taking advantage me. My car was destroyed during XXXX XXXX and my insurance paid the lender the value of the car. The car was a XXXX XXXX XXXX, I paid the lender approximately {$21000.00} in payments, the insurance company paid the lender {$7600.00} for the vehicle for a total of approximately {$29000.00} for a used car which the original loan amount was {$25000.00} and the value approximately {$17000.00}. The lender states that I still owe {$12000.00}. The total payments for this vehicle would amount to approximately {$41000.00}, over {$18000.00} in interest. This is predatory. See attached payment schedule and pay quote.
Product: Credit reporting or other personal consumer reports

My student loan with Mohela has been forgiven. It still shows up on my credit report months later. I have disputed it with XXXX but they have not cleared it. When I contact Mohela via phone or online, they can not even view my account anymore to assist with this since there is no balance.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Improper Use of Personal Information and Violation of 15 USC 1681 ( a ) ( 1-4 ) | Dear ChexSystems Representative , I am writing to formally lodge a complaint against ChexSystems concerning the unauthorized use and sale of my personal information and what I believe to be a violation of 15 USC 1681 ( a ) ( 1-4 ) of the Fair Credit Reporting Act ( FCRA ). This section stipulates the obligations of consumer reporting agencies to provide clear and accurate disclosures to consumers upon request. It does not give Chexsystems the right to sell my information without my consent, this is illegal.15 USC 1681 ( a ) ( 1-4 ) states : ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Despite my request for information, ChexSystems has failed to provide clear and accurate disclosure as mandated by 15 USC 1681 ( a ) ( 1-4 ). I insist on a thorough and proper review of the use of my personal information in accordance with the Fair Credit Reporting Act.
Product: Debt collection

I received notice in the mail that I had a judgment filed against me for XXXX. I paid this online through the Nebraska XXXX system on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX XXXX XXXX XXXX filed a garnishment with my company XXXX XXXX.
Product: Debt collection

I have been mailing ERC since XX/XX/XXXX, asking for validation of this account, ERC has not provided validation of the debt, ERC admitted that they are not the account holders, so why they are reporting a negative account to my credit report, ERC is not the account holder, and they are affecting my credit score, they still calling at least 10 times per day, I have send a certified mail asking for cease calls and send validation of this account, TransUnion and Experian are being aware of dis un-validated account. 
ERC Keep re-again this account, this is also affecting my credit score. 

Account NameENHANCED RECOVERY Account Number XXXX Account Type Collection Date OpenedXX/XX/XXXX StatusCollection account. {$880.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$880.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$880.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im filling this compliant today to inform you, that you are not doing your job, to investigate the inaccuracies of the accounts in my credit report. 
XXXX XXXX  XXXX Balance {$720.00} XXXX XXXXXXXX Balance {$460.00} DPT EDXXXX XXXX Balance {$9100.00} DPT EDXXXX XXXX Balance {$4700.00} DPT EDXXXX XXXX Balance {$1900.00} DPT EDXXXX XXXX Balance {$2100.00} DPT EDXXXX XXXX Balance {$4800.00} DPT ED/XXXX  XXXX Balance {$1700.00} DPT EDXXXX XXXX Balance {$2600.00} DPT EDXXXX XXXX Balance {$2300.00} DPT EDXXXX XXXX Balance {$970.00} DPT EDXXXX XXXX Balance {$270.00} DPT ED/XXXX  XXXX Balance {$1600.00} DPT ED/XXXX  XXXX Balance {$4200.00} DPT EDXXXX XXXX Balance {$6300.00} DPT EDXXXX XXXX Balance {$2500.00} DPT EDXXXX XXXX Balance {$9800.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Progressive Management is reporting a medical debt of {$76.00} on my credit report. I have sent a request to have a verification and validation of that so called medical debt. The letter was received by the company on XX/XX/2019 as per my return slip and as of today XX/XX/2019, I have not had any response from the company yet its still being reported. 

As this is a medical debt showing I am really concerned over my HIPAA violation and would have loved to have this validated. I am requesting that this company stop reporting this debt as they have not been able to validate or verify as per my first request.
Product: Debt collection

Ms XXXX and I do not have the greatest history! She was very nasty to me when I called in on XX/XX/XXXX. She is rude and incompetent. Her attitude is poor and she does not have quality customer service. I requested a supervisor and she denied me that right! I hung up and called right back and got Ms XXXX who didnt not address nor care about my concerns and she is supposed to be a supervisor. Yesterday I was able to speak and be routed to Ms XXXX who is an absolute pleasure. I will not speak to anyone at this company unless it is Ms XXXX, as Ms XXXX is rude and I told her I no longer wanted her to contact me. However she contacted me this morning and left a voice mail saying IM GOING TO NEED YOU TO CALL ME BACK. That is not how you conduct business nor is that how you ask for a call back. A more professional way to ask would be to say please return my call when you get a chance. Ms XXXX is not ever to contact me again
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

Experian reporting account incorrectly in regards to date opened, date first reported and date of status, Original Delinquency date and terms. XXXX XXXX XXXX is reporting as if it is a new account. I have never had a loan with XXXX XXXX XXXX, nor have I ever submitted a payment of any kind to XXXX XXXX XXXX. It is my understanding this account was acquired after a merger and XXXX XXXX XXXX acquired the original creditor XXXX XXXX and as well as any outstanding debt. The original creditor XXXX XXXX charged off the account as of XXXX XXXX. Current owner of acquired debt XXXX XXXX XXXX is reporting the account as a newly opened as of XXXX XXXX. How is that possible? When the account was initially issued by XXXX XXXX in XXXX XXXX and was delinquent as of XXXX XXXX account was never brought current nor were there any additional payments made after going delinquent XX/XX/XXXX. Per FCRA The seven-year period begins 180 days after the delinquency ( the first missed payment ) that led to the collection activity or charge-off. The clock does not start ticking again if the account is sold to another collection agency, you make a payment on it, or you file a dispute with the credit reporting agency. Per the FCRA XXXX is required to report the original delinquency date. As of todays date XXXX/XXXX/XXXX this account has been reporting negatively on my credit report ( Experian & XXXX ) for 9 years and 10 months. After getting an attorney involved XXXX has removed as of a dated correspondence from their office on XXXX/XXXX/XXXX. XXXX must have responded to a request from XXXX. This creditor is completely disregarding the FCRA by deliberately reporting inaccurate information as well as Experian is reporting incorrect information. I believe XXXX XXXX XXXX has a moral responsibility as a financial institution to report correct and accurate information to the credit bureaus and Experian should review and verify documentation to know they are correctly reporting verified. Due to this inaccuracy I have recently been denied credit as well as housing.
Product: Credit card or prepaid card

I have two capital one cards that have multiple cards and account numbers. I did not open these cards. My ex did and I paid the balance off to lower amount and now Im stuck with high balance. XXXX XXXX   says I owe $ XXXX month payments. I can not afford that. I am willing to pay $ XXXX  month. I do not want negative comments on my credit report. This account is fraud. I never gave anyone permission to open this account or use my social security number to open this accounts.
Product: Debt collection

Hello, The alledged detailed account is detailed and deliquent. Please remove this account from my personal credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

In XXXX, I've disputed a medical charge on my credit report for Simon 's agency. The company insisted that I was informed by them AND by XXXX XXXX XXXX  about unpaid debt. They have items listed in the following amounts from 2015 : {$10.00}, {$2.00}, {$15.00}, {$.00}. I advised the company that I have NEVER received a letter from them OR XXXX XXXX XXXX  regarding these amounts and requested they send me proof from XXXX XXXX XXXX confirming these amounts. My representative - XXXX ext XXXX - advised it will take too long to send the proof that this was my bill. 

Till this day, they have NOT sent me the actually bill from XXXX XXXX XXXX regarding these amounts that are now in collections. PLEASE HELP with getting these documents so I may clear my name. 

Company number : XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , delete, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened 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 I do not recognize the accounts, collections, or hard inquiries reported above. The accounts discussed above, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All accounts mentioned above, collections, and hard inquiries result from identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX Social Security Administration 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 section2 : Also states a consumer reporting agency can not furnish a account with out my written instructions.