23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management, this company has an account on my credit report and I have no responsibilities to this company. I do not have an account with this company and without any notices, this company placed negative marks on my credit report. I do not know this company and never had any business with this company. 
Amount : {$530.00} Date : update XX/XX/2023
Product: Mortgage

My mortgage company, Ditech, withheld funds I paid for the mortgage in an unapplied account because they changes the escrow amount. I was n't notified and no change showed to the amount paid on my account on the website. The company then repeatedly made derogatory marks on my credit report while I was trying to contact them to get responses. When they finally responded, they said they were holding my money in a separate account without my knowledge.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/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: Debt collection

Since XX/XX/2018, I have been called incessantly and at all hours by various representatives of Alliance One Receivables Management. I do NOT owe them nor anyone they claim to represent ANY balance whatsoever!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to XXXX XXXX XXXX  related to a reported late payment being reported in my credit report. I notified them that I am disputing this and asked for verification or proof bearing my signature. Within 30 days I had heard nothing back from them nor did they Mark this item on my credit report as being disputed. I sent a second letter to them on XX/XX/XXXX which was received XX/XX/XXXX. My credit report still doesn't reflect that I'm disputing the item in question and I haven't heard from them since they received this letter.
Product: Debt collection

PHOENIX FINANCIAL SERVICE says that I owe them {$440.00}. I do not know what this is and I have never had a contract with such company. I request some explination of such charges in detail because I do not believe this is mine. 
Thanks in advance
Product: Vehicle loan or lease

XX/XX/2021 I received a letter stating I owed {$10000.00} as a cosigner on a XXXX loan for my son XXXX XXXX. He surrendered the vehicle without my knowledge or approval. In fact they claimed I was the sole owner and signer on the loan. If that were true nobody but me should have been able to surrender the vehicle. The amount they ended up reselling for was {$15000.00} less than the amount paid off and the blue book value of the vehicle. I was never given the opportunity to take over the payments and sell at a profit other than the exaggerated loss they claim. I started paying XXXX} per month to keep this issue out of collections while I contacted the federal agencies and now your agency. This is complete fraud on the part of my son and Bank of the West. They have so far refused to return the XXXX to me or remove me from obligation. I could easily sold it as a take over payments and even collected a cash amount over and above the amount they claim to have sold it for.
Product: Credit card

I have signed up for US bank Visa for XXXX XXXX which as their main benefit offered XXXX night free on all awards. The fee is {$75.00}. I would like the refund of my fee, because they discontinued this benefit. US bank refuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / XXXX , I submitted a request to Equifax requesting the method of verification for  XXXX   XXXX  Account  XXXX . Equifax has reported now  XXXX  times that this account has been verified. As it is in my rights to request for them to provide me with the method in which they verified this account. In addition, this account had been reported on my credit profile in multiple manners and has changed multiple times. I am thoroughly confused as to how an account that shows opened in  XXXX  with a company in bankruptcy. My request to Equifax again was to provide me with the method of verification not for them to re-investigate as their documentation shows
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Comenity/Victoria and to let them know they are still reporting inaccurate information on my credit report. They told me they no longer report to the credit report and I will need to dispute to remove the inaccurate off my credit myself. This account is reporting negative information to XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX collected money from me that I did not owe and is still reporting me aa late when the account was paid in full.
Product: Mortgage

Hello, I tried working with WellsFargo Mortgage for the longest time for a loan modification back between XXXX. I got laid off and it was difficult finding another job so I try to apply for a loan modification with the income that I do have. It was denied. The second time, I got a job but it was paying/salary was lower. I then again apply for the XXXX loan modification for a much lower monthly payment but it wasn't approve either. By the third time, I try to apply again for the another loan modification and again it was denied. 

I had to pay an attorney in the amount of {$45000.00} in an installments to file for bankruptcy to protect my home. After XXXX years long of continuous efforts, I work with the bankruptcy attorney to help with the loan modification and again it was denied. Even though, I try to maintain my payment to upkeep the mortgage along with the prior balances, it got snowball and went spiral into a higher balance along with interests and fees. With the bankruptcy filing, it was not helping me to resolve and able to keep my home to which I love very much. I need this home to be a home for my children to continue their schooling but without the help of Mortgage dept to help with the loan modification, I was not able to live but to do a quick sell to avoid foreclosing. 
I feel that the Wells Fargo Mortgage was not doing their job in helping me to avoid the pain/suffering of loosing my home and in the mean time it was the most stressful event ever in my life. I do feel that it wasn't fair treatment as I did try in so many ways to protect my home and only to find out that I can't save it. I do feel I was discriminated b/c my XXXX language barrier. 

I feel that I was not treated fairly and none chooses to help me in saving my home. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX Services XX/XX/XXXX The XXXX XXXX is also not my account the others were hard inquiries that I did not authorize or apply to any cards
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX. Account name : XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX # XXXX account name : XXXX XXXX, XXXX # XXXX account name : XXXX, XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft, and this company has refused to follow the laws set out in the fair credit reporting act and block this information from appearing on my credit file. To add insult to injury, they claim to have verified the information despite them being the one who alerted me to my identity theft in the first place!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX  credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX XXXX XXXX XXXX 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 instruction
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. 

Since you claim XXXX verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX
Product: Vehicle loan or lease

On XXXX Bank of America denied me for a auto loan that they got compensation for by using my credit card that arose from a consumer credit transaction. 

There is no law saying they can deny me my own credit. I am the original creditor and have all the power. 

And they reported a consumer credit transaction that arose from my credit card. This is a violation of FCRA 15 U.S. Code 1681a - Definitions ; rules of construction.

Bank of America is violating FCRA by providing information on my consumer report. 

Below are the following things that should be excluded from my consumer report.

( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Bank of America is also in violation of 15 usc 1682b ( 2 ) Bank of America is also in violation of FCRA for denying me credit. Adverse Action does not say anything about denial of credit. I am the original creditor. What law is Bank of America using to allegedly deny me credit. 

Bank of America has ill will and has a desire to harm me. I have a open end credit plan. Bank of America is being deceitful, fraudulent, hostile. Because they got what they wanted out of me. I only came for a consumer credit transaction. 

Bank of America is acting adverse towards me. Because I am administering and extending myself my own credit. 

This arose from a consumer credit transaction from my credit card.
Product: Debt collection

I am writing to express my extreme dissatisfaction with your failure to comply with the law by denying the blocking of a fraudulent account, despite approval from the bank and clear evidence of its fraudulent nature. Over the phone, I talked to someone within the company to confirm the documents had been received and they informed me that they never received documents from the CFPB. I demand the immediate removal of this fraudulent account from my credit report under legal requirements. 
XXXX XXXX XXXX XXXX XXXXXXXX Your refusal to take action on this matter is unacceptable and constitutes a blatant disregard for consumer rights and the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is closed. It's being reported as open with a balance of {$250.00}. This is not true. Account is paid and supposed to be reported as closed. 
Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to both Experian, XXXX, and XXXX asking them to furnish -- within 15 days -- their information as to how they verified a Chapter XXXX Bankruptcy on my credit report. The letters were mailed out on XX/XX/XXXX. In addition to not receiving a response from any of the bureaus on the verification method, I also pointed out inaccuracies in how they all reported it in separate letters. There have not been any responses, changes, or deletions made as a result.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> needs to be removed from my credit report immediately because it's fraudulent and inaccurate information that's violating my consumer rights I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There's accounts on my report that I'm requesting to be blocked and/ or removed due to the simple fact that the contracts with these companies has been cancelled, therefore there's NO CONTRACT, inwhich I'm obligated to, nor is the accounts rightfully mines. In accordance with the FCRA laws, the creditor and/ or reporting agencies shall provide the consumer with certified physical documentation of such accounts. Please remove the following accounts if you can not provide documentation. XXXX XXXX XXXX, XX/XX/XXXX, {$11000.00}, ... XXXX, XX/XX/XXXX, {$730.00}, ... .XXXX  XXXX , XX/XX/XXXX, {$0.00}, ... .XXXX XXXX  ,XX/XX/XXXX, {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my LexisNexis credit report I found that they had two social security numbers which were not mine, an address I have never been associated with, wrong birth date, and a suffix to my last name ( XXXX  ) which I am not a XXXX.
Product: Mortgage

I had a conventional 30 year mortgage in forbearance with XXXX due to Covid 19 issues. 
XXXX sold the mortgage in 2021 to Nationstar now XXXX as Mr. Cooper who honored XXXX forbearance agreement I successfully completed XXXX XXXX XXXX XXXX 3 month trial in XXXX On XX/XX/XXXX Mr Cooper sent me a proposal for the new mortgage which is a 40 year mortgage at the same rate as my previous 30 year mortgage The first XXXX  years of the mortgage are interest only payments and then the last 30 years are conventional My opinion is this is a punitive proposal What is my recourse to obtain either a lower rate or change this to a conventional mortgage where a certain portion of the payment would be applied to the principal for all payments? 
Is what Mr Cooper proposing legal? 
I did some research and their previously named entity were fined for unfair practices with mortgages, probably the reason they changed their name. 
I have 14 days to respond from the XX/XX/XXXX and am not sure what are my options I am sending Mr Cooper a letter tomorrow disputing the terms of the agreement What other recourse do I have? 
Thank you in advance for your response. 
XXXX XXXX XXXX @
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of XXXX XXXX people.The breach occurred after Equifax security officials failed to install a software upgrade that had been recommended to seal off digital intruders from obtaining access to the names, birthdates and Social Security numbers .Third-party data brokers use several sources for your data, such as : Social media activity. 
Cookies. 
Tracking your IP address. 
Purchasing history and warranty information.

Credit card information. 
Public records*XX/XX/XXXX. 
XXXX. 
XXXX. 
XXXX. 
XXXX. 
XXXX are among the problem. 
People search sites have my information and that's a problem for me. Any thing That has my demographic should be remove. XXXX XXXX XXXX XX/XX/XXXX age XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to Equifax 5 times now advising them of the credit inquiries on my credit report that were never authorized by me. Equifax is violating FCRA laws by ignoring my dispute request. Equifax is required to research and verify the information it is reporting to confirm its accuracy. Its been over the alloted 30 days and Equifax continues to ignore my dispute. I have attached my most recent dispute letter to Equifax.