23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid rent on time for the time l physically lived there. I was laid off and told XXXX XXXX that I was going to have to file bankruptcy. She told me there was a such thing as a relet that can get me out of my obligation. I told XXXX that I would have to leave my queen size bed and dresser because I was new to Texas and had no one to help me. She said I would have to cover the fee for the cleaners and I agreed. I told her I didn't have money but whatever I owe, I could make monthly payments until paid because I had a new job in XXXX XXXX. XXXX and the XXXX woman ( No disrespect bc I don't know her name ) were never on the same page. Whatever I told the XXXX woman something that XXXX told m, she didn't know anything about and would not abide by it. 3 months went by after I moved out and I received a letter and collection calls from Portfolio recovery stating I owe over {$8000.00}. I only had a queen size bed and box spring plus a cheap light dresser. some food in the cabinets. The apartment was in excellent condition because I hadn't hung anything from walls. I receive calls from Portfolio recovery everyday and night.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

Hi ive recived a zero Blance letter from Main Street Acquisition Corporation # XXXX. And iam trying to refinac my home but the bank wants more proof than zero blance can you please help me with this problem if you can email me some more proof XXXXXXXXXXXX
Product: Debt collection

My Complaint now lies on EXPER IAN Credit Reporting age ncy.   I filed a complaint with cfpb against  XXXX .  XXXX  responded with this : Responded on  X/XX/2017    Response Type : Closed with explanation : Company 's Response : We have reviewed our records in this matter, and find the following. Our office is not credit reporting any debts for this consumer. Our office is in possession of multiple accounts for a consumer with the same name, but a different social security number. As such, the error lies with the credit bureaus themselves and must be addressed with them. This is a common situation known as a " mixed file '', whereby the bureaus have mistakenly matched our reporting with an incorrect consumer. This usually occurs in a  XXXX /  XXXX   situation. We have verified back to the bureaus that the social security number we are reporting does not match that of the consumer in question. The consumer should dispute the accounts with the credit bureaus, once they have verified the social security numbers do not match, they should delete the entries.
Product: Mortgage

In XX/XX/year>, I encountered health and family problems, which prevented me from paying my mortgage punctually. I reached out to my mortgage provider to inquire about the amount necessary to settle my mortgage account. They said that I should send {$1700.00}. 
I transferred {$1700.00} on XX/XX/XXXX, but the mortgage company stated they would not accept my payment of {$1700.00}, claiming that I needed to pay {$3200.00}. The mortgage never returned my {$1700.00} to my bank account, and I can provide my bank statement as proof that they didn't send the money back. On XX/XX/XXXX, I transferred {$1600.00}, and it was received by them on XX/XX/XXXX. On XX/XX/XXXX, I transferred {$1700.00}, and on XX/XX/XXXX, I sent {$1600.00} a total of {$3300.00}. 
The mortgage company stated they won't accept my payments and will foreclose on my house. 
I have made the payments required by the mortgage, yet it continually rejects my payments and seems to want to push me to abandon my home. 

I need assistance, as Im afraid of losing my house, please help me.
Product: Mortgage

XXXX XXXX XXXX says they will not modify my mortgage because of my negative NPV. Their valuation of my house is too high and it is incorrect. My house is not worth the amount they claim its worth.They claim that I have a substantial equity in my house and that is not true.They refuse to modify my loan saying " IT IS NOT IN YOUR BEST INTEREST ''.
I want to stay in my house that I am raising my XXXX kids in. I have lived in this house for 12 years. I am a single mom constantly bettering our lives, constantly looking for a better paying job.
At my current job I got a raise and Wells Fargo is not willing to Re-Enter me into the modification process because they say that my Sale Date/Auction is within 38 days.
My sale date is XXXX XXXX, 2017.
I know for a fact that my new income will alter the negative NPV.
The new income and the house valuation error would definitely change the outcome of the NPV.
Wells Fargo is not willing to work with me quoting the ridiculous rule of being too close to the Sale Date.
I should be able to prove my case and save my house up to the very last day before the Sale Date. In my opinion Wells Fargo does not want to work with me because it is more beneficial for them to take my house away from me and sell it for profit than to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting XXXX Account # XXXX, has violated my rights. 

15 U.S.C.1681 section 602 A. States I have the rights 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX is reporting false information. Delete the account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX & XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is refusing to honor debt collection policy that was paid as part of original loan. Because of their pressure to refinance and a subsequent medical discharge, I was unable to pay loan and debt cancellation clause should remove me of this obligation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for its refusal to conduct an investigation on a dispute letter I submitted on XX/XX/2024. This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) due to Experian 's failure to adhere to the regulations outlined in the Fair Credit Reporting Act ( FCRA ). 
On the aforementioned date, I initiated a dispute with Experian regarding negative accounts appearing on my credit report. I provided detailed information outlining the inaccuracies in these accounts, as well as documentation to verify my identity. The documentation included a copy of my Drivers License, a copy of my Social Security Card, and a copy of my proof of address, all of which were submitted in accordance with Experian 's requirements for identity verification. 
Despite providing all necessary information and documentation, Experian has unjustly refused to investigate the disputed accounts. This refusal is a clear violation of the FCRA, which mandates that credit reporting agencies promptly investigate disputed information and correct any inaccuracies. 
I have received a response to my recent correspondence dated XX/XX/2024, in which stated that Experian had not taken any action on my dispute regarding certain items on my credit report due to concerns about the authenticity of the request. Experian response stating We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. It is evident that Experian has failed to conduct a reasonable reinvestigation into the disputed information, as required by the Fair Credit Reporting Act ( FCRA ). 
As a consumer, I rely on accurate credit reporting to make informed financial decisions and safeguard my creditworthiness. The negative accounts in question have the potential to harm my financial standing and opportunities, making it imperative that Experian fulfills its obligations under the FCRA. 
I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that Experian complies with its legal obligations and conducts a thorough investigation into the disputed accounts. I request that the CFPB investigate this matter and take appropriate enforcement action to hold Experian accountable for its non-compliance with the FCRA. 
Additionally, I request that Experian be required to provide a written response to this complaint, acknowledging its receipt and outlining the steps it intends to take to rectify the situation. I also ask that Experian provide a timeline for when the investigation will be initiated and completed. 
I trust that the Consumer Financial Protection Bureau will take the necessary actions to ensure that Experian fulfills its legal obligations and provides me with the accurate credit reporting to which I am entitled.
Product: Credit card

HOME DEPOT SALESMAN DOUBLE TALKED ME AND I REPLACED MY XXXX CAR GARAGE ROOF ... ..NEVER PASSED INSPECTION POOR WORKMAN SHIP ... GAVE ME WRONG HOME DEPOT CREDIT CARD WITH CITI BANK ... I SIGNED CONTRACT FOR NO INTEREST FOR 24 MONTHS NO INTEREST RATE ON CONTRACT I SIGNED ... 
I THOUGHT I HAD ABOUT 90 MONTHS TO PAY OFF ... MIS LEAD ME. I JUST FOUND OUT XX/XX/2016 THEY GAVE ME WRONG TYPE OF CREDIT CARD FROM HOME DEPOT ... .I THOUGHT I WAS GETTING A " PROJECT LOAN CITIBANK CARD '' BUT I DIDNT RELIZE THE DIFFERENCE UNTIL XX/XX/2016. NOW THEY ADDED OVER {$5000.00} INTEREST AND I AMOST HAD A XXXX.. I WAS PAYING THEY MONTHLY ABOUT $ XXXX-XXXX ... ... .THEY STILL DID NOT FIX MY ACCOUNT BACK THE PROPER WAY. THEY BEEN CALLING AND ASKING FOR MONEY THAT I DO NOT OWE AT THIS TIME ... ..I SENT PAPER WORK TO THE OFFICE THEY REQUESTED LAST MONTH BY CERTIFIED MAIL AND IT WAS RETURNED TO ME ... TODAY SAT XX/XX/XXXX. I ASKED AGAIN ABOUT MY ACCOUNT AND WAS DIRECTED TO SEND PAPER WORK TO ANOTHER OFFICE IN XXXX. I WISH SOMEONE WOULD HELP ... XXXX SO MUCH FOR THE HELP IF POSSIBLE MY HOME DEPOT ACCOUNT NUMBER IS XXXX XXXX XXXX XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Tel XXXX XXXX XXXX BOTTOM LINE I WOULD LIKE THEM TO GIVE ME A " PROJECT LOAN '' CREDIT CARD AND TO FIX THE ROOF PROPER OR TO REMOVE IT COMPLETELY SO I CAN HAVE ANOTHER COMPANY INSTALL THE ROOF ... PLEASE LET ME KNOW IF YOU CAN HELP. 
BALANCE DUE ORIGINAL CONTRACT XXXX. As of TODAY BALANCE {$9700.00}. Thanks
Product: Credit card or prepaid card

On XX/XX/2021 I noticed that funds were transferred from my XXXX Account to my Cash App-Square Account-XXXX XXXX. These two transfers occurred very close together time wise. I was able to disable the car that was linked to this account. At the time this appeared to be the route to mitigate any possible damages that may occur with unauthorized use of such accounts. On XXXX XXXX I spent nearly 4 hours making phone calls, sending emails, and researching some way to contact the party to whom it is necessary to speak with when such activities are occurring. Some time during this extended time trying to contact said organization, the card was un-disabled. 

It was my hopes in such a frantic attempt to directly communicate with such appropriate persons -- TO MITIGATE ANY AND ALL POSSIBLE LIABILITY associated with this incident. I also attempted to contact appropriate persons via the aforemematioend ways during the following 8 days. I WAS NEVER ABLE TO SPEAK WITH OR DIRECTLY COMMUNICATE WITH ANY SUCH PERSONS. The only option that was avail was to submit issue via the transaction log via the app. No confirmation email was given at such time. I was never followed up with. The case auto closed in 3 days. The resulting funds that were transferred into this account were used through a series of unauthorized transactions that occurred over the next few days. Such authorized transactions have been attached to this complaint. 

Said organization have violated ( but certainly not limited to ) Regulation e andf z of the Electronic Fund Transfer Act and the Truth in Lending Act, respectively. The aforementioned provides a process for such occurances, These processes are such that such institutions MUST FOLLOW them, or otherwise be in violation. Not only did said institutions not follow such processes they did not even give such reasonable access to such processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard and soft inquiries that I dont recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by USC 1681. And they violated my rights under numerous times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts
Product: Credit reporting or other personal consumer reports

Three reporting bureaus and Credit Karma abused file to deny age of creditor, utilized information from over ten years ago [ employment history ], and company denies any wrongdoing for their failure to report accurately from 2019
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX # XXXX XXXX  XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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 XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Debt collection

Sent disputes off 4 weeks ago to SUNRISE CREDIT SERVICES GROUP. The account that I'm disputing is inaccurate, unverified and a violation of the FDCPA and the FCRA. I REQUESTED THE DELETION OF THE ACCOUNT BUT IT IS STILL REPORTING ON MY CONSUMER REPORT. IF CONTINUED TO REPORT I WILL TAKE OTHER ACTIONS FOR MY REMEDY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, spoke with XXXX with Cavalry SPV to make settlement arrangements. Please see attached. On XX/XX/2023, Cavalry negatively reported me to the bureaus.
Product: Debt collection

This morning XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP with an open date of XX/XX/2018. I did not open an account with CREDIT MANAGEMENT LP or any original creditor. The original creditor listed does not provide services in my city or state. 


This Debt was disputed and removed from XXXX  approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company XXXX XXXX XXXXXXXX XXXX sold it to another collection company after it could not be validated. 

This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees.
Product: Credit card or prepaid card

Date was XX/XX/19, I received a letter from PayPal failing to state the reason for denial. Multiple times have they refused to issue me credit without any reasonings.I have the letter with the missing information as to why I was being denied, it was left blank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXXXXXX accounts XXXX XXXX XXXX accounts one main accounts XXXX XXXX XXXX accounts XXXX XXXX XXXX accounts XXXX XXXX accounts XXXX accounts XXXX XXXX accounts
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, PayPal made my remaining Account balance of {$1500.00} available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email to : XXXX which is my Paypal account. Thank you.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Subject : Complaint Against MRS Bpo , LLC for Unjust Collection Practices and False Threats Dear Consumer Financial Protection Bureau, I trust this letter finds you well. I am submitting a formal complaint against MRS Bpo , LLC, a third-party collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. The creditor associated with this collection is XXXX XXXX XXXX Bank, and the alleged balance due is {$15000.00}. 

My name is XXXX XXXX, and I am writing to express my deep concern regarding MRS Bpo , LLC 's unjust collection practices. The basis of my complaint is that the debt in question has been identified as fraudulent and removed from my credit report due to identity theft. The removal has been successfully confirmed with both XXXX and XXXX. 

Despite this resolution, MRS Bpo , LLC continues to contact me, making false threats of filing a collection against me if I do not pay the disputed amount. This unwarranted harassment is causing significant distress and affecting my ability to proceed with important financial transactions, including the purchase of a home. 

Enclosed with this letter, please find copies of the supporting documents, including [ list the documents : proof of identity, evidence of charge-off removal from XXXX and XXXX, correspondence with MRS Bpo , LLC. 

I kindly request the Consumer Financial Protection Bureau 's intervention in investigating MRS Bpo , LLC 's unjust collection practices and ensuring they cease their actions immediately. I am committed to resolving this issue, and your support in bringing a fair resolution is highly appreciated. 

Your prompt attention to this complaint is crucial, given the urgency of my situation. Thank you for your commitment to consumer protection, and I look forward to a swift and just resolution. 

Sincerely, XXXX XXXX