23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX I filed a XXXX complaint against Nations Recovery ( now twice ). First time they kept taking unauthorized payments out ( triple charging my account ) and kept getting notices that I did n't pay them. It was finally resolved that they would {$0.00} my debt due to the inconvenience they were causing. I get a collections notice in XXXX from a different agency saying I owe {$140.00} on one of the accounts I should n't have to owe and the original creditor ( in XXXX ) was demanding {$390.00} for the other account I did n't have to owe on. After the resolution on the XXXX complaint I NEVER heard back from this agency. I filed another complaint in XXXX and the XXXX agent I was working with never heard from them and were not responding to communication. Today I get a voicemail from one of their agents saying he needed my address to send a refund check. I call him and he 's going around in circles, not listening to me, unwilling to understand what I was telling him. Playing recordings that I could n't even understand because they were so garbled over the phone. He used a tactic that 's appalling to just harass me. At this point Nations Recovery has caused so many problems with my XXXX and have wasted my time over and over again. They have shown their lack of professionalism and their willingness to use deceitful tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can get my credit report on XXXX XXXX for XXXX and XXXX XXXX but Experian says no data available. 
I have no debt and I have paid XXXX XXXX to assist and still nothing. 
I cant build credit because Experian. 
So how can XXXX XXXX pull data and Experian not? 
To me this is a scam because Experian says I qualify for loans and then I am denied the loans causing inquiries to add up. 
Experian is causing the problems and charging me to see Credit report when they have no score. 
This is negligence and fraud any lawyer and judicial court can see it.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX and XXXX Credit Bureaus and found that this DLVRY FN SVC ( XXXX XXXX ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
DLVRY FN SVC ( XXXX XXXX ) XXXX Balance {$240.00} DLVRY FN SVC ( XXXX XXXX ) XXXX Balance {$140.00}
Product: Money transfer, virtual currency, or money service

MoneyLion is the Name of the party that I am disputing I signed up for a XXXX XXXX and received one advance which was repaid. After that, MoneyLion repeatedly debited my account for instacash advances that were never made. XX/XX/XXXX for {$56.00} and XX/XX/XXXX for {$45.00}. Also debits for MoneyLion Plus Membership Fee for {$9.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

In addition a loan that was taken out without my authorization. ML Plus Loan deducted for {$38.00} on XX/XX/XXXX, ML Plus Loan for {$38.00} on XX/XX/XXXX.
Product: Checking or savings account

Notified them as to the fraudulent activity on my account and requested to be refunded for the charge 's of XXXX that I didn't do. Bluebird was informed and has document of my calls. I was unable to utilize my online banking or use the card associated with my account. I kept calling and I was told I will be credited the charge 's. How it is now 4 months later and I am still being denied my fund 's and each time I call they're acting like it's my first time and run me in circles
Product: Credit reporting

Received an updated credit report removing prior error however Equifax changed my address to one that does not even exist. I was lucky to get the report. Now Equifax will distribute this invalid address and it will cause me major headaches. This was done on purpose by Equifax to damage and harm me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to your response of complaint XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have explained in various written complaints via XXXX, CFPB, online disputes with your company and phone calls that these accounts are FRAUDENT. I have explained on several occasions that although my personal identity was stolen ( DL, SS card and birth certificate ) when I obtained replacements I was given the exact same information that was stolen with the same identifying factors, such as DL number, my SS number didnt change, etc. ). I have also explained that stolen was information was never recovered. I have previously provided your company with two identity theft police reports ( one in which named a suspect ), two notarized FTC identity theft reports, proof of address ( electricity bill ), copy of SS card and Drivers license, and despite legal and undisputable evidence of identity theft your company has failed to adhere to the FCRA 605 ( b ) blocking rule. 


Since XX/XX/XXXX I have made various attempt to rectify this situation with your agency. For the past two years, I have precisely followed the normal rules of a dispute as outlined by the FCRA with no prevail and as a result, I have found your company to be in violation of several FCRA rules particularly FCRA Section 609 ( A ) ( 1 ) ( a ). 
Recently I have sent your company a dispute on XX/XX/XXXX asking your company to block the above accounts as they are a result of identity theft and your response We initiated an investigation into the items and the results are below : We have researched the credit account.. The results are : We verified that this item belongs to you. 

I have reason to believe that you conducted an unreasonable investigation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above. This burden of proof is upon you, the CRA, in accordance to FCRA 609, therefore responding If you have additional questions about this item please contact the creditor is not only illegal in conjunction with the FCRA rule but redundant.
Product: Student loan

I cosigned a loan for my stepdaughter with Bank of America. I went into Bankruptcy in 2011, but between my stepdaughter and I, the payments were made according to bankruptcy ( which BOA agreed ). The loan was turned over to XXXX who then turned over to a law firm in XXXX because they said we did n't make payments. Both my stepdaughter and I proved we were making payments. He instructed us to not make any more payments until they could figure out where money was going. Subsequently, they turned over to law firm in XXXX-who threatened to sue us for non -payment. My bankruptcy lawyer got involved and all the documentation was provided to show that not only were we making payments, but we were ahead of schedule. I talked to lawyers in XXXX XXXX and we came up with payment plan for rest of it ( which is paying faster than bankruptcy said we had to ). All both my stepdaughter and I want is this taken off credit report. It shows I 'm behind 120 payments and owe almost 5,000 dollars, when in fact made all payments on time ( except for the few months their lawyer told us not to pay ) and actually only owed XXXX dollars. None of the lawyers would help with the credit companies. I know student loans complicated, Im just asking for our credit report to be accurate Thanks.
Product: Mortgage

XX/XX/2021 - Home Insurance Paid ( They paid an entirely different insurance company and asked them to not cash the check / ordered a stop payment ) - {$1400.00} XX/XX/2021 - Home Insurance Paid ( Paid my actual insurance company ) - {$1400.00} The money from XX/XX/2021 was never returned to my escrow account. Ive called in every week or so since XXXX asking about my missing money from my escrow account. 

Each time I have gotten a different response ranging from call the insurance company to get your money back ( this obviously can not be done since they paid some other insurance company Im not even aware of ) to the most recent response of we are handling this and the check is in the mail. 

I have now waited days past the time of when the check is supposed to be delivered to me to put back into my escrow. I called back in and the representative said she has no record of a payment being made to me. They are telling me they are waiting on the response from the wrong insurance company they disbursed my money to. 

GHM ( Guaranty Home Mortgage ) owes me XXXX and so far they have gotten away with stealing this money from me and now asking to raise my mortgage payment because my escrow is too low.
Product: Credit reporting or other personal consumer reports

For over XXXX years, I have disputed the inaccurately reported XXXX  on my credit report, and I have saved every piece of correspondence as proof. It is impossible for the credit bureaus to have verified this XXXX through XXXX, as my file there is frozen. Additionally, the court involved has explicitly confirmedvia the attached XXXX letterthat it does not report any information to credit bureaus. Despite this clear evidence, the credit bureaus have ignored my disputes and continued to report an incorrect discharge date, further damaging my credit profile. These actions strongly suggest that the bureaus acquired this information illegally or from unverifiable sources, in direct violation of the Fair Credit Reporting Acts accuracy and verification requirements. I demand the immediate removal of this unlawfully obtained and inaccurate information, as it is hindering my familys ability to purchase a home.
Product: Credit reporting or other personal consumer reports

I filed with your agency approximately three months ago. In my initial complaint, I clearly stated that the accounts listed below are not mine. Despite providing numerous pieces of evidence to support these inaccuracies, I have yet to receive any proof of how Equifax validated these accounts within the designated 30-day period. 

I am deeply concerned about the prolonged and frustrating nature of this process, which has affected me and placed a significant strain on my family. I kindly request your immediate attention to rectify this situation by removing the following accounts from my credit report : XXXX XXXX Account # XXXX Date Opened - XX/XX/XXXX XXXXXXXX XXXX Account # XXXX Date Opened - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Date Opened- XX/XX/XXXX DEPT OF ED/ XXXX Account # XXXX Date Opened XX/XX/XXXX DEPT OF ED/ XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXX. 
Account # XXXX Date Opened XX/XX/XXXX In addition according to 15 U.S. Code 1681e - Compliance procedures Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Please delete the accounts above from my account immediately if this is not done I will have to involve a lawyer and take further legal action to rectify this situation.
Product: Mortgage

Refer to complaint # XXXX The CFPB had sent the complaint to Chase. 
Chase ( XXXX XXXX XXXX XXXX ) as the letter from XXXX in the files indicates, XXXX is now a part of Washington Mutual. Chase ( XXXX XXXX ) is unable to access the records of XXXX until he has verification from the CFPB that PNC MOrtgage is a part of Washington Mutual, who Chase now owns. With this verification from the CFPB, Chase will then be able to access the records of XXXX thru Washington Mutual.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$1900.00} U S DEPT OF EDXXXX XXXX Balance : {$700.00} U S DEPT OF ED/XXXX XXXX Balance : {$610.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF ED/XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX  XXXX Balance : {$200.00} XXXX  XXXX Balance : {$680.00} XXXX XXXXXXXX Balance : {$47.00} XXXX XXXXXXXX Balance : {$47.00} XXXXXXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly
Product: Student loan

I have been trying, for months, to gain access to my account with ECSI Federal Perkins Loan Servicer. I never received the initial access document they said I should have, was disconnected on repeatedly while waiting on hold, and have received no written response to my mailed requests for assistance. 

Yesterday, I was finally able to speak with someone on the phone to gain access to my electronic account and make a payment. I was trying to take the actions directed, to make the requested payment in the letter I received yesterday, XX/XX/2019. This letter, dated XX/XX/2019, gave a 30 day window to make the payment, and directed me to do so online. 

When I called back, I was advised that yesterday was a processing day, and that I would be able to make a payment today, XX/XX/2019. I requested verbal confirmation of this, and was told again that I would be able to make the payment today. 

There continues to be no payment option on the website, and when calling in I was advised I can not make a payment with them, despite the very clear dates in the letter sent to me via mail. Throughout my dealings with ECSI, I have been lied to repeatedly, not responded to, directed to take actions that are impossible, and given no recourse to have my concerns addressed. Their practices are highly deceptive and fundamentally unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's Fraud and should be handled as fraud for the inaccurate 's which are all the hard and soft inquires I haven't applied for any application 's so all of the hard and soft inquires are fraudulently on my XXXX and TransUnion and XXXX Credit Reports by my mentally XXXX adult son who applied for application 's which cause buniesses to do hard and soft inquires all are of his fraudulently applying on application as me my mentally XXXX son mental XXXX hurts his reasoning and judgement he doesn't know due to his mental XXXX that my name and social security number and my XXXX  and TransUnion and XXXX   credit scores are my own and only for my use due to his mental XXXX hurting his reasoning and judgement I don't want to pursue criminal charges or law enforcement presents on the matter of fraud of the fraudulent use of my name and social security number and my XXXX and TransUnion and XXXX credit report and scores
Product: Debt collection

I took out a payday loan with XXXX almost 10 years ago and it fell into collections. I settled the debt with a third party over 5 years ago and the ghost debt has been passed around to various shady debt collection businesses using illegal collection practices ever since. Even if the debt was still owed it is outside the statute of limitations for collections. Myself and several people connected to me received harassing text messages this morning from XXXX from BHA Services ( XXXX ) trying to collect this unowed debt. This needs to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to furnish negative tradelines on credit file. Requested validation of signature and contest to contract. During time of tradeline, I was XXXX
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 Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX and list of Inquiries. 


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 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 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 information is inaccurate.
Product: Debt collection

On XX/XX/2021 I was inaccurately reported to XXXX Credit Bureau for a debt that is o {$510.00} from IC Systems Inc for an account with XXXX XXXX XXXX original creditor. The account being reported has a different last name than mine, yet when I disputed the account with XXXX they return results as verified and accurate. I have disputed the account three times with every result stating verified which is inaccurate XXXX has not provided me any information on how the accuracy of the account was verified despite my request.
Product: Debt collection

I have had numerous calls from a lady who claims to be calling from an attorney 's office in an attempt to collect an old credit debt sent off to collections. This started last XXXX, when I spoke with the lady she claimed that I needed to pay {$8000.00} by the end of the day, that the interest had accrued that much. When I got off the phone with her after telling her I would see what I could do, I called Wells Fargo. Wells Fargo told me to go into my Wells Fargo bank. The banker made numerous calls and finally was able to find out that the account was in fact charged off and gave me the name of the company and also the number. After I called XXXX XXXX they informed me that the account had been settled and dismissed with prejudice. This company or whoever they are continue to harass me and have now started calling my current employer. I need this to stop.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE
Product: Debt collection

I have four accounts that were submitted to me from collections. Company name Payliance.

The checks that were written were fraud/identity theft against me. I have submitted police reports and have resolved this with local District attorney in the county that the checks were written.

Amounts {$220.00}, {$140.00}, {$120.00}, {$380.00}, Two were written on XX/XX/2020 and two on XX/XX/2020.
Product: Debt collection

I DONT OWE THIS AMOUNT. I HAVE PAID TO DATE {$690.00} WHICH WAS NOT CREDITED TO THIS ACCOUNT. i RECEIVED NO BILLS NOR EMAILS ABOUT GOING TO COLLECTION. I CAN PAY MONTHLY WITH NO PROBLEM I JUST NEED A BILL
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 XXXXL Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 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 information is inaccurate.
Product: Debt collection

This company is violating my consumer rights by using false misleading information, misrepresentation, and deceptive means. have made a number of attempts to fix issue directly and they are violating my rights which would amount to {$1000.00} for each violation, I demand they pay me or delete these accounts ASAP.