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

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

In accordance with the Fair Credit Reporting act. I am attaching a Copy of all letters sent below. has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 to cause to believe that the information is inaccurate. 

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 advers item of information, other records of convictions of crimes which antedates the report by more than seven years
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$35000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the credit bureaus several times regarding addresses on my credit report that do not belong to me and are on my report as a result of identity theft aswell as inquiries and fraudulent credit accounts opened in my name and have asked they be removed the credit bureaus will not remove these addresses, accounts, and inquiries. I have provided them with identity theft reports and ask that these be removed from my file immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This complaint is about BOTH communication tactics and attempting to collect a debt that I do not owe. 

Portfolio Recovery - " In order to resolve your complaint, we will need additional information to locate and investigate the issue. Specifically, we need to know the account number or telephone number at which you received our calls. " Case number : XXXX RESPONSE : My name is XXXX XXXX XXXX and that is all the information I 'm willing to give to a company that I have never heard of and that is reporting on my credit report. The phone numbers in the attached letters have been used to protect my actual phone number since I do not know who you are and why you have my information in the first place. 

If you do not have my name in your system then I would strong urge you to consider making a request to have this trade line from your company deleted. If you do have my name in your system you should not have any problem providing a complete package of validation for me including documents with my signature on them for the alleged debt. 

I have attached a screenshot from my credit file. If you do not comply I will file a lawsuit in California for violations of the FCRA and FDCPA and you will be responsible for attorney fees, statutory damages, and my recent actual damages that have been incurred when I tried to apply for a mortgage. My banker has prepared a letter that will be used in court if needed to show that Portfolio recovery is the sole cause of why I have been denied for a {$780000.00} mortgage. 

Delete the trade line immediately and stop calling my boss and stop calling me on my cellular phone.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the XXXX Credit Bureau regarding inaccurate information on my credit report from " XXXX XXXX The account with XXXX was closed and charged off on XX/XX/year>, however, the credit grantor has continued to report the charge off monthly after the original charge off date. This practice has negatively affected my credit report and credit score.
Product: Credit reporting or other personal consumer reports

For the past XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has reported Account # XXXX in error to multiple credit reporting agencies, despite my repeated complaints to the Attorney General of Washington, the XXXX XXXX XXXX, the Federal Trade Commission, XXXX, Equifax, XXXX, and the Consumer Financial Protection Bureau. 

XXXX XXXX XXXX claims to collect a debt on behalf of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, TX. However, XXXX XXXX XXXX has confirmed that they have no record of me, XXXX XXXX, in their database concerning this alleged debt. Moreover, XXXX XXXX Apartments is not currently a client of XXXX XXXX XXXX for debt collection purposes. 

Due to this fraudulent reporting, I have suffered financial damages exceeding {$8000.00} over the past XXXX  years. XXXX XXXX XXXX has not received any payment from me for this debt and will not receive any payment. I have meticulously documented every complaint, dispute, and incurred fee since this debt was first reported in XX/XX/year>.
Product: Mortgage

Deceptive mortgage lending practices by Freedom Mortgage which included bait and switch, fradulent documentation, and predatory behaviour with goal in mind to obtain funds from consumer by pushing consumer to roll fradulent closing costs into loan that the consumer is not responsible for as per agreement. 

There is sufficient evidence that I have been completely misled through the refinance process and provided wrong and fradulent information ( i.e. Summary of Transaction ) by Freedom Mortgage that was misleading and deceptive. 

It was very clear from the offer I received from Freedom Mortgage which included many verbal communications and a Summary of Transaction that I can provide a copy of that Closing Costs were covered by lender. This was the agreement and mutual understanding throughout the process all the way up to being only a week or two out from actual closing at which time it was suddenly communicated to me via a random phone call ( not even in writing ) that the offer has changed and I as the consumer I would have to pay the closing costs now. All the detials, supporting documents, and dates can be provided. 

With all the respect, that is very deceptive and misleading business practice that is unfair to consumers and that is ultimately costing all of us participating in the mortgage business including the government a lot of money. I do not accept this and I ask you kindly to help with this case as I 'm sure there thousands of consumers that are falling vicitim to these kinds of predatory lending practices. 

In the supporting documents you can clearly see that the closing costs are covered by the lender.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX AMEX Account # XXXX, AMEX Account # XXXX, AMEX Account # -- XXXX, AMEX Account # -- XXXX, CITI Account # XXXX XXXX XXXX CARD Account # XXXX, XXXX CARD Account # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by AMEX Account # XXXX, AMEX Account # XXXX, AMEX Account # -- XXXX, AMEX Account # -- XXXX, CITI Account # XXXX XXXX XXXX CARD Account # XXXX, XXXX CARD Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

Without any prior notification, an account from JP Morgan Chase was hacked and money moved, this seemed to be rectified by Chase but shortly thereafter the account was frozen by civil court order of New York initiated by Kirshenbaum & Philips XXXX XXXX XXXX, XXXX, New York XXXX. Promptly, I filed in person at the court a notice to vacate based upon several issues including failure of proper service, statute of limitations ( termination of any contact creditor goes back to early XXXX. This was granted by XXXX XXXX. XXXX dated and generated on XXXX XXXX. Before the scheduled hearing, another account at XXXX XXXX XXXXXXXX ( checking account ) was also frozen dated XX/XX/XXXX. The total sums are far in excess of any purported date owed. Because of weekend restraints by XXXX  XXXX XXXX, I could not access the new improper court order by KIrshenbaum & Philips freezing my XXXX XXXX XXXXXXXX account. 
At the hearing to vacate on XX/XX/XXXX, XXXX XXXX at NY XXXX XXXX without ruling for lack of hard copy did speculate that this would violate the original court order. 
I judge this action by Kirshenbaum & Philips and their client XXXX XXXX XXXX to be engaging in violation of a legitimate court order, and correspondingly acting in a threatening, harassing and aggressive action against me,
Product: Credit card or prepaid card

My American Express Cards were closed by the company for an excessive number of billing disputes. I hadn't made a billing dispute in over 3 months and the company had only reached out to me once for making billing disputes, and I had only made two since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ask the company to remove 30 days late payment for the month of  XXXX    XXXX  .   Because its inaccurate, they agreed. It is still reporting on all  XXXX  credit bureaus. Many letters and calls nothing has change, now reporting inaccuracy that the account was closed by me. Called to see why this is being reported by all  XXXX  credit bureaus, they acknowledge the error and said they will correct it and it is still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to the Credit Bureaus several times. The last letter I wrote was XXXX XXXX. I also called about different names and addresses listed in my report. I have asked for documentation with my legal name. I have provided a copy of my drivers license, social security card, and lease agreement to verify my name. The mail theyre mailing doesnt belong to me. I have also written them to let them know the mail theyre sending doesnt belong to me.
Product: Consumer Loan

XXXX XXXX Santander Consumer issued the following statement regarding the warranty refund of my vehicle : " With regard to the status of the warranty refund please be advised that the customer is responsible for any further follow up with the warranty company regarding the processing of the refund. We respectfully suggest that you contact XXXX for an update on this matter. So I did just that. Contacting XXXX ( an XXXX XXXX XXXX XXXX about the warranty, and here 's what i found out. Speaking with a Sguard representative named XXXX, she stated that Santander consumer was refunded back 100 % of the warranty and that Santander wanted the refund expedite. The warranty was cancelled by XXXX on XXXX XXXX, 2015. And Santander was indeed the company that funded the warranty. ( see attachments ) XXXX placed me on a brief hold to get her supervisor named XXXX who confirm this, but refused to give anymore information on this matter. XXXX stated that she would have XXXX XXXX in Legal and Compliance contact me with more information. At some point someone has to see how corrupt Santander is, their main purpose is to exhaust all their avenues rather than refund the warranty. When I do buy a car again you can best believe Santander comsumer USA, XXXX will not be financing my vehicle. This the most unprofessional, corrupt business I have ever had to deal with. Good luck with any and all lawsuits against you.
Product: Credit card

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number :, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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.

What would be a fair resolution to this issue? ( demand for relief ) : 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 me via email to the email address ( XXXX XXXX
Product: Credit card or prepaid card

To whom it concern, We went to make a payment on our Best buy account on Friday, XX/XX/XXXX, and were told they wouldn't take a payment because the account had been charged off. They gave us the phone number to contact on Monday, XXXX XX/XX/XXXX, which was to the Citi bank Recovery Department. The recovery department said they couldn't talk to us after until XX/XX/, when the account would be sold. We said that we could possibly pay the account off in full, but we couldn't do it a they store they said. We can't afford to pay them off, at this time. Our complaint is that we never received any communication from Citi or Best Buy, that we missed a payment in XX/XX/XXXXor XXXX, and that were in danger of having the account charged off. The account was last payed on XX/XX/XXXX, when we entered a payment program with Best Buy on the phone, and the payment was to be XXXX a month with no interest. We never received any communication that the account was late or in danger of going into a charge off state. They never contacted us by phone, or a written letter.
Product: Credit reporting or other personal consumer reports

I am Contacting a Transunion to remove the Unauthorized inquiry Please remove the unauthorized Inquiry off of my report dated XX/XX/year>. The inquiry is a XXXX  XXXX XXXX XXXX Transunion is still reporting, inquiry needs to be removed immediately it's not connected or associated to any of the accounts listed on my report. 
I do not want Transunion to do a security freeze or add a fraud alert without my permission. 
I have Ftc report and supporting documentation below to show proof of unauthorized inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

It is impossible to upload documents on Experian Disputes. I am not the only one with this problem. XXXX it. Experian has a cutesy and complicated website and push sales the first thing when you go on. I have tried calling multiple times but that is a waste of time also. So I mail. Then I receive an email back to me with a middle name of the person that stole my identity??????????!!!!!!!!! I have been disputing identity theft for 5 years. I have sent a XX/XX/XXXX sheriffs report multiple times that reflects the thief. Have sent an undated XXXX sheriffs report reflecting specific information for accounts XXXX XXXX, XXXX, and XXXX XXXX Auto Finance. I have sent warrants issued for the thief, arrests, and even convictions of this thief that even lists one of my cards that was stolen. In addition, Experian gave my credit report to XXXX XXXX XXXX XXXX without permissible permission. Experian doesnt even require proof from XXXX XXXX XXXX XXXX that they used to pull my credit. Experian needs to quit selling until they at least can do a better job of their base job for a Credit Reporting Agency.
Product: Student loan

On XX/XX/XXXX, I contacted Mohela by phone to request a refund of voluntary payments made during the Covid forbearance period. The loan ( listed as loan 4 in Mohela ) was previously serviced by XXXX ( listed as XXXX XXXX in XXXX ). 

All payments were made to XXXX but has since been transferred to Mohela which is my servicer for PSLF. This loan is not part of any consolidation loans. 

On XX/XX/XXXX, I reached out via Mohela Chat and confirmed that a refund request was made and is waiting to be processed. The agent confirmed my refund request amount of XXXX On XX/XX/XXXX, I contacted Mohela via Chat again and the agent quoted 90 business days from initial request for turn-around-time for refunds and requested that I wait to reach out until that time has passed. 

On XX/XX/XXXX ( exceeding 90 business days ), I contacted Mohela again to get an update on refund request. My loan balance has not increased and do not see that a check has been issued for this refund. They said they will re-submit the request. 

On XX/XX/XXXX, I contacted Mohela via Chat and the agent informed that they can not see my payment history from XXXX for the loan that I requested a refund on and thus, unable to help with the refund. On my payment tracker for the specific loan, the payments on my loan from XX/XX/XXXX to XX/XX/XXXX are missing. I was told I need to send proof of my prior payments to my old servicer XXXX during the Covid forbearance period. 

I am concerned that it took over 5 months for me to learn that they were missing the payment history and thus unable to assist with the refund. If they needed additional information to process the request, they should have alerted me sooner. 

However, they were able to confirm with me previously ( during my original request in XXXX and then again in XX/XX/XXXX ) the correct refund request amount which is the total payment I made during the Covid forbearance period for this loan. How were they able to do so without any payment history? 

I have uploaded a copy of my payment history from XXXX which serves as proof that I made payments during the Covid forbearance period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Equifax has enter a secure loan if mines twice. The company name is XXXX XXXX and XXXX XXXX XXXX. This is one acct, not two loans. I tried to solve it but didn't get any where.
Product: Credit reporting

Equifax is reporting a XXXX card that I am an Authorized User on. This is incorrect. I do not know anyone that added me to a XXXX card. I have written Equifax several times over the past few years to no avail.
Product: Debt collection

I currently have 2 accounts with MCM ( Midland Credit Management ). Both accounts should have been covered by the XXXX coverage. I have written several letters to them but I can only assume that MCM has not received them which is their typical response when they dont feel like entering information. I would have been more than happy to consider resolving this account if a certain employer hadnt fired me while I was on long term leave. I have had several accounts with this company, which most have been resolved. As a PREVIOUS debt collector, I cant say I understand, because nobody actually understands, but I can only sympathize with the other collectors while they have probably heard every story under the sun on why someone can not pay their debt. Im 100 % positive if the HR department of MCM looks back on some of their records they would realize why I am unable to pay this debt. One of these accounts has been in the system for a couple years and should have a cease on the account, which is the account I have written about not being able to pay due to lack of income ( I wonder why? Hmmm ) the second account is a new account, which while I understand this one isnt MCMs fault, this should have been resolved by the actual creditor per the agreement of the XXXX insurance which I had paid every month. I would also like to request that certain employees dont go behind my back and talk about me, because Im 100 % sure that will happen too once they see my name pop up on the complaints. Anyways, Im requesting that these accounts are removed. I wont say immediate because I know things dont move quickly around there.. but eventually, maybe 30-60 days is reasonable to me. While I understand that one of the accounts is marked as a cease, Im requesting that the accounts are marked as a do not call, for EVERY number listed on the account. You may contact me through the mail. Since Im unable to include the account numbers in this complaint here I have attached the documents so whoever handles the complaints can find me accounts in the easiest way possible.
Product: Debt collection

I have 3 LVNV Funding LLC accounts reporting as " open '' balances on my credit report. I have request a few times now for debt validations and have not received these for any of the accounts listed. I've even sent an email notification to the company as well as calling and speaking to a representative. Nothing has been resolved.