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

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX and XXXX Accounts account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX XXXX XXXX XXXX has not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Peroutka, Miller, Klima & Peters, PA represent XXXX XXXX, XXXX which apparently purchased my account from XXXX XXXX XXXX. 

XXXX XXXX XXXX is a credit card company where I had an account. 

XXXX XXXX failed to forward any bills, invoices or statements regarding my account. They never notified me by means of any communication that I had an outstanding balanmce and never informed me that a debt had been charged off. 

PMKP has sent me a letter demanding payment of {$1500.00}. 

This is the ONLY communication from anyone regarding the XXXX XXXX account.
Product: Debt collection

I rented an apartment at XXXX On The XXXX for about 2 years plus ( XX/XX/XXXX- XX/XX/XXXX ). I didn't own them a XXXX even when most residents were taking rent relief due to COVID-19. After I moved out of the apartment in XXXX, my wife when to the apartment to drop our current address. As usual I was expecting their mail for claims of damages, thus I check my mail box almost everyday. I don't see any mail from them. To my surprise I got a mail ( sometimes in XX/XX/XXXX ) from a collection agent ( Rent Recovery Solutions LLC ) regarding the apartment claim of owing the sum of {$440.00}. I made a call to this collection agent expressing my disappointment of not having any prior communications from the management of XXXX XXXX XXXX XXXX regarding this payment. I requested for the break down of how they arrive at the sum of {$440.00} and the person that picked my call promised to send me an email on it. Since then I have never gotten any email from them. 
Sometimes in XXXX I visited the apartment office to express my dissatisfaction about taking me to collection without any prior communications. I request for the breakdown of the said debt. They gave me a print out of the money, though queried my water and trash bill for the last 13 days of stay in the month of XXXX ( Because I was billed for a whole month ). I requested for prior 3 months water and trash bills before my lease expired. Till this time they never send me a copies of the bills. 
Despite not getting feedback on the requested prior 3 months water and trash bills, I started the payment sometimes in XXXX, XXXX and paid another payment in XXXX XXXX. 
The most painful thing is that this has affected my credit score/report, which I have being building over the years even when I was an international student with some many financial constraints of paying medical bills for my second son. It is my believe that this unfair treatment to me and my credit history because I didn't say I am not paying the company but they refused to appropriately communicate this to me.
Product: Mortgage

We are good citizens and believe in paying what we owe. 

Like many Americans during Covid, we struggled with keeping up with bills and the mortgage. In XXXX, we took advantage of the federally supported mortgage relief program and deferred payments for a few months. The loan was extended for the deferred period with interest. 

In XXXX, we continued to suffer financially, and we accepted another Covid related deferment. From about XXXX, XXXX, we deferred ( did not pay ) our secondary mortgage. In XX/XX/XXXX, we began making payments again, as was our understanding. And we have continued each month through XX/XX/XXXX. According to Wells ' 'help ' program offical documents ( which is acutally a new mortage - BS ), we owe {$1300.00}. For the past several months ( check the recordings ), I have repeatly sought to pay this, and with interest. Instead, just today, I got yet another forclouse notice. 

In XX/XX/XXXX, I received a call from a Wells Fargo rep. He told me I needed to decided how to pay the deferment almost immediately, or Wells may go forward with foreclosure. I immediately protested ( this is recorded ). 

Wells Fargos intimidating tactics are clearly part of strategy. Its wrong. Id be happy and would welcome disclosure of all our conversations, despite my frustrated anger and times. 

I would never do business with Wells and have been telling everyone I know to avoid them.
Product: Checking or savings account

On XX/XX/2022 I received a notification that was definitely in error. It was for XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) and for over XXXX XXXX dollars. I can not remember whether I approved the purchase accidentally but received no other notifications regarding the transaction ( s. ) I discovered in the month of XXXX that there were several charges made through XXXX for a range of transactions and became overwhelmed. I contacted my bank ( Chase ) in XXXX and was not given any information or instruction on what to do. The charges continued. In XXXX I finally contacted the fraud department and was on a three hour phone call where I made a fraud complaint. It seemed like it was being taken very seriously but received no further action being taken on the part of the bank and the mysterious charges continued even when I discontinued use of the XXXX application completely removing it from all members of my households devices. I contacted the fraud department on XX/XX/2022 when they told me the fraud complaint was approved and they were going to be reimbursing me by XX/XX/2022. I waited until XX/XX/2022 to contact them and they said the fraud complaint had been denied due to " chip to chip '' transactions with no explanation of what that meant. I attempted to contact them again and spoke to the escalations department where another fraud complaint was made and seemingly taken seriously only foe me to contact them again and have a phone representative tell me that there was no such second fraud complaint made. I became so frustrated i closed both my checking and savings accounts and have been forced to keep an account open to be ablento receive a monthly income from a renter.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals OfficeXXXX XXXX XXXX XXXX  and Federal Trade Commission ).

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. US DEP ED XXXX {$37000.00} XXXX  XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$130.00} USDOE/GLESI XXXX {$3300.00} XXXX XXXX {$4000.00} XXXX XXXX {$19000.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$650.00} US DEP ED XXXX {$61000.00} USDOE/XXXX  XXXX {$4700.00} XXXX XXXX XXXX {$2600.00}
Product: Mortgage

On XX/XX/2019, we submitted an application for loan modification in anticipation that we would soon be struggling to pay the mortgage. As of this date, XX/XX/2019, the application is still being processed due to ongoing delays by the mortgage company PHH including claims of not having received proper documentation then retractions of those same claims. In addition, on XX/XX/2019 we were served with a complaint made in civil court by PHH 's attorneys seeking foreclosure of our property. The most recent correspondence received from PHH was dated XX/XX/2019 confirming, once again, that the modification package is being reviewed. We feel we have become victims of dualtracking.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on XXXX XXXX, Account number:XXXX. I disputed again with XXXX on XX/XX/2018. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX  which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account XXXX - Creditor Name : XXXX  Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. Sincerely, XXXX 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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : 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

A collections account in the amount of {$12000.00} was put on my credit report. I contacted spring oaks capital LLC on XX/XX/2023 to attempt to set up a payment plan for this debt through email. They expressed they would pay for delete if I paid {$9200.00}. I discovered this debt is not mine as the previous company has already written this debt off as a loss and marked this on my credit report. Therefore, this debt has been settled.
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 me federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX 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 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 imformation any other adverse item of imformation, 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 imformation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the imformation is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX of XXXX XXXX regarding her ability to get me a loan modification for my home. I was referred to her initially from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They charged me in total {$12000.00} to complete this loan modification. They took all of mine and my wife 's personal information ( SSN, DOB, DL #, Utility Bill, Insurance Card, etc. ). Throughout the course of time that I worked with them, they took our information and added fraudulent accounts to our credit files. This included collection accounts and several bankruptcy filings that were not from me or my wife. I caught on to what she was doing after the damage was done and informed her that I will be contacting the police. 

Since then, I have filed a complaint with the Texas attorney general, CFBP, and filed disputes with the credit bureaus. I have also requested information from the courts as well as XXXX since they report public record information. I have also filed a police report, identity theft report, and an identity theft victim 's complaint and affidavit. The court and XXXX both stated that they have no record of bankruptcies under mine or my wife 's name. I supplied all of this information that can serve as evidence of OBVIOUS fraudulent activity to all three credit bureaus to get the items removed. I have been successful in these removals with the exception of the bankruptcy filings reporting to Experian. XXXX  and XXXX have removed all of these same accounts. I know that Experian is independent of the other credit bureaus, but I find it odd that they were able to verify the bankruptcy information that the other bureaus were not. They say that the information was verified through XXXX, but based on my report and conversation with XXXX, this is not accurate. I even arranged a conference call between myself, XXXX, and the Experian fraud department. Even after being told directly from XXXX that this information is not correct, Experian still would not remove this fraudulent information. 

This is a direct violation of my consumer rights and I fully intend to pursue legal action in this matter if it is not resolved. I intend to seek maximum damages possible for all of the distress and suffering this event has caused me throughout the years. I hope by filing this complaint we can come to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to XXXX, XXXX and Experian : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to XXXX XXXX for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to XXXX, XXXX and Experian by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX XXXX and Experian about some inquiries on my credit report that were not authorized and since they are fraud should be removed from my credit file, however, they refuse to remove them off my report so I believe they are committing acts fraud right along with the company that is doing the reporting.
Product: Mortgage

I called Freedom Mortage on XX/XX/2025 when I noticed my XXXX payment was posted to a suspense account instead of my mortgage. The gentleman assured me it would be taken care of. I asked if there was anything I needed to do to make sure this didn't happen again and he said no, it would be fixed and shouldn't happen again. I received an email XX/XX/2025 to notify me my account was past due on my mortgage. I called Freedom Mortgage and was on the phone with them over 45 minutes. The first woman I spoke to kept telling me I was paying my payments late, was very rude, asked me if I even know what a grace period is, and told me she was not going to reverse the late fees assessed because, " I had already paid them. '' My payments are not late and have never been late, I am a month ahead. She refused to transfer me to her supervisor until I started yelling at her to do so. The next woman I spoke to recognized that Freedom Mortgage had posted XXXX 's payment incorrectly and I was told this would be fixed within a couple of days. Nobody has been able to explain to me why the payment was misapplied, which caused future payments to show as late, with fees charged. XXXX 's payment was mostly posted as principal, which also made XXXX 's payment look late. They state on their statements that if a problem isn't identified and communicated to them within 60 days, there is nothing they will do. These are shady business practices. As shown in my attachment, all of my payments are being posted to suspense, which makes it look like my mortgage is behind when it is a month ahead.
Product: Debt collection

The DOS was XXXX none of my hospital bills were NEVER SENT to my insurance Company XXXX XXXX XXXX the collection agency keep harassing me telling me to pay I try explaining that I never reciprocate the bills they were mailing to an old address the hospital also listed me as SELF PAY with all my insurance information on file I contacted the Hospital XXXX and they confirmed they never sent to XXXX!! XXXX contacted both hospital and agencies requesting them to put these account on hold on XXXX they have still been calling me and sending letters with new dates of open debts so they are still reporting as if this was updated debt whn two representatives spoke to me and the insurance company stating it was on hold the hospital billing department call me saying they pulled it from collection but the collection company called me after all these conversation with hospital and collectors still asking for payment I reach out to management team no reply
Product: Checking or savings account

The complaint is against ABC Fitness Solutions and XXXX XXXX. Since XX/XX/2023 these companies arbitrarily charged me {$51.00} from my account. They have requested my bank information to charge unrecognized fees. According to them for contract renewing. I have not signed or mentioned nor indicated to ABC Fitness Solutions or XXXX XXXX such thing. I tried to solve this issue with them, but ABC Fitness Solutions makes XXXX XXXX responsible, vice versa. 
I have not a debt or any pending balance with this two business.
Product: Debt collection

I am getting phone calls every hour that started 2 days ago!!! The number that they are using is : XXXX. Today - XX/XX/2020 - they started at XXXX XXXX and have continued continually each hour. I try to answer and I'm put on a hold and then a recording comes on. I have hung up and I truly feel now that this is totally harassment on their part. 

A call each hour - that is against the LAW. It is from J/CPenney Credit Card. 

Please, please - I can't put up with this any longer.