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

Questionable XXXX XXXX account listed on my credit report. 

XX/XX/21 Certified letter sent to XXXX requesting validation of the debt. 
XX/XX/21 Response received from XXXX, validation request not honored in correspondence. 

XX/XX/21 certified letter sent to XXXX, XXXX and Experian to alert of failed validation and request to verify debt. Copies of all correspondence submitted. 

XX/XX/21 response received from XXXX, validation request not honored in correspondence. No response received from XXXX or Experian. 

This is adversely affecting my credit score and in turn my quality of life.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX  ( Original Creditor : XXXX EXXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX XXXX/XXXX/XXXX / XX/XX/XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : I don't recognize this account Account Name XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account My personal information was compromised from the social security breach. 
These accounts also show different open dates on each credit bureau. Violation under the Fair Credit Reporting Act 1681i of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

I began questioning this organization in XXXX XXXX XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the 1st time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Product: Credit reporting or other personal consumer reports

I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.
Product: Mortgage

We have a construction and mortgage loan with a private lender through XXXX XXXX  XXXX. The loan matured in XXXXXXXX XXXX. In XXXX, the lender and XXXX were notified of a contract for sale of the project. They were forwarded the contract and the potential diligence period to complete the sale. 

We requested a Payoff and were forward the values due. The payoff included for any interest due and the principle on both the mortgage and construction loan. 

When the buyer completed its diligence on the property, we learned the lender had transferred the loan service over to FCI Lender Services during the same period.

As we prepare for closing, FCI sent us a payoff that included for almost XXXX in default charges and fees. 

While we fought the charges, FCI has been non-responsive and denied their removal. This has jeopardized the entire sale. Unless we relent and pay them the XXXX immediately. This effects, not only the participants, but the tenants within the building.
Product: Debt collection

We have received repeated calls from Diversified Consultants attempting to collect debt on behalf of XXXX XXXX XXXX. We have never been a customer of XXXX XXXX XXXX ( they do not provide service in the XXXX area ) and I have confirmed with XXXX XXXX XXXX that we have never had an account. The callers attempt to obtain personal information from my family even though I have explained to them that we have no business relationship with either Diversified Consultants or XXXX XXXX XXXX. After searching Diversified Consultants name online, it appears that this harassing behavior is common practice for them.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

Creditor Date of inquiry XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX NA - XX/XX/XXXX XXXX. XXXX OF XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX IN - XX/XX/XXXX XXXX. XXXX XXXX XXXX CO - XX/XX/XXXX XXXX. XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  FINANCI - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX AUTO FIN - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  IN - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My employer is : Self employed Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting, credit repair services, 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 FEDERAL TRADE COMMISSION or https : //www.ftc.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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Our Current Servicer sent us a letter that our loan is in default and threatening legal action. We purchased a home on XXXX/XXXX/2016 mortgaged through XXXX. We were provided payment coupons that said that our first payment was due XXXX/XXXX/2016. I sent a payment XX/XX/XXXX to XXXX XXXX plus additional principal payments. A day after the payment was sent, I received XXXX additional invoices, 1 ) Loan Care and 2 ) XXXX XXXX each claiming that they were the ones I should send my payment to. I called both companies on XX/XX/XXXX and both claimed that I should pay them. I was able to get XXXX XXXX to say that XXXX was who I should pay and that the payment made to Loan Care would be transferred to XXXX. I set up auto pay with XXXX, but noticed they did not take the payment out as scheduled by XXXX/XXXX/2016. I called and was told that they have not received any funds and that I was a month past due. Consequently, they could not auto draft my payment and manually took my payment ( plus additional principal ) over the phone. I was not notified by LoanCare that XXXX purchased the loan ( on XXXX/XXXX/2016 ) until I received a letter mailed XXXX/XXXX/2016. Long story short, I have made all of my payments and am still in default on my loan facing legal action. I am also concerned that I will be paying interest on what was paid while they XXXX with the money I sent.
Product: Debt collection

LVNV FUNDING LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written a uthorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I had an extended fraud alert on my credit report with all three bureaus. I was able to successfully remove from tranunion online and equifax via phone. I had to submit a bunch of supplemental documentation for XXXX but they eventually removed it from their report as well. A few days after the removal, XXXX initated and placed another extended fraud alert on my credit report. This prompted the other two bureaus to readd the fraud alert onto my credit report. I went through the same process again and removed all three. A few days later, another fraud alert was initiated on all three reports without my consent or any documentation requesting it be added on my behalf. Frustrated, I called XXXX  who informed me that they were able to see that XXXX  was the bureau that reinitated the fraud alert. The XXXX representative provided me with the confirmation code that XXXX provided to them when they initiated the fraud alert ( XXXX ). XXXX keeps initiating fraud alerts on my credit report AFTER Ive submitted requests and have the fraud alert removed from my credit report. They initiate the extended fraud alert without my consent and without me submitting additional documentation to them. I can not get and keep the fraud alerts removed d/t XXXX reinstating XXXX them.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681c-2, this is the statement that the information identified is not information related to any transaction made by me the consumer.
Product: Debt collection

I continue to get bills from AFNI for {$1100.00} for an XXXX XXXX XXXX XXXX account that was paid through a back and forth dispute between XXXX XXXX XXXX and myself. The account was already handled by XXXX XXXX , XXXX who continues to call me and leaving messages or hanging up 2-3 times per day. I did make a complaint to the CFPB and explain that the account was taken care and paid through another collection company XXXX XXXX in XXXX XXXX. I have been in dispute with the original creditor and have an ongoing case open with the FCC against XXXX XXXX XXXX. AFNI Inc. has continued to report inaccurate information to the credit reporting agency about a debt that is not correct. I have now sent a complaint to the XXXX Attorney General about AFNI violating my rights under the Fair Credit Reporting Act. I do not owe the AFNI anything and they continue to report inaccurate information to the credit agencies.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed off dispute letter to both credit reporting agencies noted in reference to some late payments thats Ive noticed that were not accurate. I supplied the attached dispute letter, I have waited 30 days and have not heard anything back from the company. In the letter I also stressed the importance of the dispute and how I would seek monetary damages for the consistent neglect to the proper dispute process.
Product: Credit reporting

I am having a problem with Equifax Credit Scoring. My Equifax score has a range of over XXXX points difference depending XXXX where the score is pulled. When I pull it from various credit monitoring sites I get a low of about XXXX ranging up into the low XXXX 's. But when XXXX Bank pulls it for a XXXX heat pump loan they are getting XXXX. I talked with Equifax and they can not explain it. XXXX says they have to use Equifax and that I need to get resolution from Equifax and XXXX Bank. XXXX wo n't talk about it and Equifax ca n't explain it. I need my heat pump replaced before winter and I ca n't get anyone to figure this out and get a true Equifax score. Since Equifax ca n't explain how the score could be so different when pulled from different sites, it may be that the problem is with XXXX Bank and their use of the score. XXXX requires use of Equifax and it looks like XXXX may be manipulating the score to make it be below the XXXX minimum of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX Original creditor : XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit card or prepaid card

On XX/XX/XXXX I read online about an increased offer of XXXX miles after spending {$5000.00} within the first 3 months of opening on the capital one venture card. I clicked on the link advertising the offer and confirmed the terms on the application page. 
I applied and was approved for the card. After spending the {$5000.00} I logged into my account and saw that they deposited XXXX miles. I opened the online chat to ask them when I would receive the additional XXXX miles. The agent stated that my account showed I had an offer for XXXX miles after {$3000.00} spend. I told him that was not the offer on the application I filled out and I wouldn't have wasted the hard inquiry on my credit for that offer. I only applied for the increased offer. He transferred me to a supervisor who held firm. I asked what date the promotional offer ended and he said he didn't have that information. He gave me a phone number to call. I called the number and basically had the same conversation with this rep. They said they would open a case and someone would call me back on XX/XX/XXXX. I never received a call. My complaint is that capital one didn't fulfill the terms offered on the application which I filled out and was approved for. I did a XXXX search and found that the increased offer ended on or around XX/XX/XXXX 15 days after I applied.
Product: Debt collection

I've been receiving calls since XXXX of XXXX for an alleged debt for XXXX, a cable company in a former residence of mine. I never had an account as cable was handled 100 % by the apartment complex and included in rent. 

Nonetheless I asked for account details and they had dates that were completely wrong. I didn't even live in the city when they stated my account started. I verified this with XXXX as well. 

I have asked for proof of this debt, given Credit Protection Associates my address, and they have not sent a single thing. 

The " proof '' they have is not accurate and I have not witnessed it myself. 

*Note* A different company attempted to collect for this same debt in XXXX and XXXX had 0 record of my account, but now they claim to. How could I not have any information in XXXX, but suddenly do in XXXX? 

I originally submitted a complaint in XXXX of XXXX with the CFPB. Case number : XXXX
Product: Credit reporting or other personal consumer reports

someone has my social security number and using it to open credit cards and internet account with my information. there are also fraudulant address reporting on my credit reports which do not belong to me and are fruad i have called XXXX  and they told me that they can not remove the fruadulant address because they are tied in to the fruadulant accounts that are reporting on my XXXX report
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report and they were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible
Product: Debt collection

I received a warrant in debt from Zwicker & Associates on behalf of XXXX XXXX and it scared me. I didn't realize until after signing an agreement with Zwicker that several practices under the Fair Debt Collection Act was violated. I never once received a letter from Zwicker indicating that a debt was owed and right to dispute the debt. I spoke with a Zwicker attorney who told me that the only way to avoid judgement was to set up an arrangement, sign an agreement and pay the debt.

Zwicker never once provided me the opportunity to dispute the debt or engage in dialogue about the debt they skipped all required practices and went straight to the courts. On XX/XX/2019, I contacted Zwicker to make my agreed payment. I was told by the representative that I would have to make two payments as the XXXX payment was not received. I asked for a manager who was extremely demeaning and threatening. He said that they had not received the XXXX payment and I would have to make both payments or they would not accept a payment from me. I was previously informed by Zwicker that if I didn't pay the debt that they would garnish my wages.

I asked if I could make payment towards the lower balance account to pay that one off and was told no that I could only make a payment towards all three accounts which I have since learned that I can pay towards any debt and not required to pay a particular debt. According to XXXX XXXX my accounts have been charged off, I would like to understand the relationship between Zwicker and XXXX XXXX regarding a charged off account.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated my account was properly investigated but how is that possible if the open dates is inaccurate the date last active is inaccurate and date last reported is not accurate. The ground for removal and they also violated my right under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) states I have the right to privacy 15 USC 1681 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureau took more then 30days days to complete my certificate mail tracking number XXXX Because of stain on my report I have been living with people and unable to get my own home for years now I cant not get a car in my name denied on 4 different occasions and its not fair to be missing out on basic things you need to survive in today world.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense XXXX and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has XXXX found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts.