23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Dear CFPB I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which gives me the right to dispute information I believe to be inaccurate or incomplete. 

The account in question is from XXXX XXXX XXXX XXXX, a collections company, with which I have no contractual relationship. Specifically, the details are as follows : Account Number : XXXX Balance : {$2400.00} Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit grantor 's internal collection department Last Reported : XX/XX/year> Dispute Basis : No Contractual Relationship : Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to report accurate information and must not use any false, deceptive, or misleading representations. I do not have any contractual agreement with XXXX XXXX XXXX XXXX, which invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting of Debt : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. Since there is no contract or agreement between myself and XXXX XXXX XXXX XXXX, the accuracy of this reported debt is in question. Additionally, the absence of payment history and the derogatory information reported without adequate evidence further violates the FCRA. 

Potential Violation of Consumer Rights : The continued reporting of this account as derogatory, without proper verification and in the absence of a valid contract, may constitute a violation of my consumer rights under the FCRA. Additionally, the failure to provide complete information about the payment history and the terms of the alleged debt raises concerns about the legality of this reporting.

Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately. 

Please notify me of the outcome of your investigation within the 30-day period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report. 

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

ok i have  2 p ages of payday installment loans taken out in my name and never took out law suit in my name oney stollen my ssn  XXXX  help me they are trying to kill me
Product: Mortgage

Sent tax statement to Land Home Financial Services. Company provided me with an escrow analysis. Escrow analysis was done incorrectly and taxes were added twice onto the statement. I called and finally got through to someone who understood the analysis was not correct. New analysis was sent to me a month later. Our mortgage is due on XX/XX/XXXX and they still have the incorrect amount due. Called and spoke with several supervisors and they say they cant un-do this and that I must pay the incorrect amount which is {$2300.00}. The actual payment I should owe is {$1700.00}. When I asked the supervisor why I should pay an amount that I dont owe and that was XXXX XXXX XXXX error, her response was, Im sorry, theres nothing I can do. This is absolutely unacceptable. I will not pay an amount that I do not owe because of their error. The staff are extremely incompetent and lack knowledge of their positions.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I went on line to per pay they gave me a line of credit they said once I paid the initial {$330.00} by pay day XXXX  I would get my product as of todays date I never got the product and they kept my money and would not refund it I canceled cause they would not send product and it was 3 months of waiting as of todays date my money has never been returned
Product: Student loan

Equifax is reporting unverified student loan accounts and medical bills of over {$80000.00} on my credit report. I initially contacted Equifax, in writing ( see Attachments ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally not conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. 
Equifax responded to my request for a signature bearing document with a letter ( See attachments ) stating the debt was verified and it belonged to me and sent me a copy of my credit report. None of the information provided by bore my signature or any other validating evidence linking me to the debt. I responded in writing again ( See attachment # 3 ) to request a signature bearing document as proof of this debt but never received a response. 
Information reported by the 3 major Credit Bureaus vary greatly and makes it very difficult to trust the validity and accuracy of the information provided by Equifax, XXXX, and XXXX. Case in point both XXXX, and XXXX  have investigated the medical bills on my account, deemed the information unverified and invalid, and removed this accounts from my credit report. Yet Equifax continues to display this unverified debt on my credit report in violation of both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
In regards to the student loan debt being reported, the Dept. of Ed/XXXX is the company that is reporting on my credit report yet the accounts have been sold to a debt collector XXXX XXXX XXXX. However, the information on my credit report shows that I have XXXX Late payments and the accounts are in good standing. How is this even possible with the accounts in collections? 
This serves as proof the information being reported on my credit report is not accurate nor is being properly verified. The practices of the aforementioned companies are highly predatory and violate both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I check one day and noticed an account and address that doesn't belong to me. I sent a police report and FTC report. And they didn't remove them. I'm listing the account and address below. 
XXXX  XXXX # XXXX Bal- {$1500.00} opened on XX/XX/2020. 
XXXX XXXX XXXX XXXX, Pa XXXX
Product: Money transfer, virtual currency, or money service

Ive started using Coinbase over two weeks ago as a way to start investing in crypto currency. I followed the steps on their website to set up my account and connected my checking account directly to their app ( as they recommended ). Ive made my first purchase on XXXX XXXX. As the delivery date stated XXXX of XXXX, I had no choice but to wait patiently until the funds clear. To my surprise, after a week of waiting, they cancelled 65 % of my investments claiming my bank is to blame. When I called my bank they said there were no issues or cancellations on their end so I contacted Coinbase again asking for an explanation. Customer service was non existent as I didnt get a reply to my emails ( yes multiple emails ). My bank account was charged for the rest of the transactions I made soon after but still no digital currency. Its now been 4 days since my digital currency was supposed to show up in my account and its still not there. I tried emailing again and still not a single reply! Ive tried reading about others who experience the same problem and was surprised to see how many people are on the same boat. Someone needs to hand it to Coinbase. Companies like that dont need to be in business.
Product: Mortgage

I filed for a loan modification with Wells Fargo Home Mortgage XX/XX/XXXX. I was assigned a " Home Preservation Specialist '' XXXX. I hired attorney XXXX office to represent me in the process because. XX/XX/XXXX I received paperwork for a trial modification. In the paperwork, it did n't state whether through the modification my rate would be adjustable or fixed. My mortgage had been adjustable. I told my attorney that I would not sign a modification that was still adjustable just for my payments to balloon and get in trouble again. My attorney 's office spoke to XXXX ( they had third party authorization and XXXX would not speak to me ) and assured me that XXXX told them it would be fixed. So, I signed for the trial hamp. In the process of finalizing the trial, I had issues with my lawyer 's office taking care of what I requested. In fact, right before signing the trial hamp, my lawyer 's rep told me that I should speak to XXXX myself about questions I had. Because of this, I wanted to fire them. I lost faith in them and tried to speak to XXXX 's office again and they said I had to send them a letter stating my lawyer no longer represented me which I did. After doing so, I was nervous about the final modification and needing another lawyer to finish. I spoke to XXXX 's manager who assured me a lawyer was n't necessary. He said he handled about XXXX modifcations and only about XXXX had lawyers. So, I did not seek another attorney. When the final modification paperwork was on it 's way in the mail, XXXX called me to tell me that I would get a copy for myself and a notary would come to my house to have my wife and I sign it. When I got my copy and before signing, I noticed that it did n't state it was a fixed interest rate loan. I called Wells Fargo to speak to XXXX before the notary arrived. XXXX was n't available at the time but another home preservation specialist asked if they could help. I said I was assured by my lawyer that she spoke to XXXX and the rate would be fixed for the remaining payments. I wo n't sign if it is n't fixed. He said he would check and had me on hold for about 10 minutes. When he came back on he said he spoke to his supervisor and they can assure me it will be fixed. So I signed with the notary and assumed all would be fine. Then I got a letter a couple months ago saying my interest rate would be changing XX/XX/XXXX. I called Wells Fargo and spent over an hour over a couple days being transferred around. Finally, they said they said they see records on their end of telling me my loan would be fixed but sorry, that is n't the case. They opened up an investigation and after weeks, someone from Wells Fargo called me to tell me, yes they told me that it would be fixed but it is not. That is not what I signed. I told him that they fraudulently got me to sign the mod and I would be filing complaints. " Anything else I can be of help with you with? '' he said? What now?
Product: Mortgage

Spoke with Freedom Mortgage on 3 separate occasions in reference to understanding how to have our PMI removed as it totals close to XXXX for the life of the loan. During our signing of our Refi we were told that once our home to loan reaches 20 % equity that we would be able to request to have the PMI removed. This was not the case previous during my previous conversations with Freedom, i requested documentation on where it was signed that we acknowledged that the PMI would be for the life of the loan ( Does not state anywhere ), i was given the amortization page showing the outline of payments. This does not state that PMI insurance is for life of loan or you can not request to have PMI removed due to our loan being an FHA loan. This seems to be " Legal '' theft and misleading representation during the loan signing process. i was then given advice to refinance and i stated i am not refinancing @ current rates that would be stupid. In the process to speak with someone on the phone i am not directed to a voice-mail, directed to a live manager, or given follow up contact information with freedom mortgage leadership. The normal response of someone will contact you within 24-48 hours was given and i have been down that road a few times with Freedom where i had to call daily for an update ( getting an update a week+ on a previous issue )
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint To Remove Inaccurate Credit Information To Whom It May Concern : I Received a copy of my Credit Report and found the Following Item ( s ) to be in Error. 

By the provisions of the Fair Credit Reporting Act. I demand that these item be investigated and removed from my credit report. It is my understanding that you will recheck these items with creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Section 1681i ( a ), you must complete this reinvestigation within XXXX days of reciept of this complaint. 

Please send me an updated copy of my credit report. according to the act, there shall be no charge for this updated report. i also request that you send notices of corrections to anyone who recieved my credit report in the past XXXX months. 


I Am a Natural Person, I am a living human being, I Have rights under 15 USC 1681. 

Equifax Is Gorvern By The USC 1681. And They Violated My Rights Numerous of times. I Also Demand the ( Accounts Type Below Listed Be Removed, Because According to 15 USC 1681 : I have the right to privacy and did not give consent/written permission to furnish any of these accounts. With images.
Product: Debt collection

Upon vacating a previous apartment complex the landlord had claimed damages to their carpet which we immediately disputed. The apartment complex did not provide an itemized list of damages as requested by tenant and within the 30 days as required per the lease and Massachusetts state law. 

National Credit Systems, who had then become the debt collector contacted us in regards to the disputed debt. We immediately told them the debt was in dispute. They claimed they would verify the debt and get back to us. Shortly after National Credit Systems stated the debt was valid and provided proof of the damaged carpet with a photo copy of a pay stub of the former tenant. 

A pay stub to prove that the tenant was in debt in regards to damaged carpet? 

This sequence of events is in violation of 15 U.S.C.1601 Fair Debt Collections Practice Act. This by far does not come close to validation of debt even after requesting validation by the accused debt holder.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you verify the documents? Some of the listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 loans on my credit report that do not belong to me I have not signed or applied for these I have no clue how these got here. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account
Product: Debt collection

I received two text messages from someone claiming to be Halsted Financial, attempting to collect a debt that they say I owe. The first text message, sent on XX/XX/XXXX, said that I owed money to an XXXX XXXX XXXX XXXX  that I have never seen before. They gave me a link to what seems to be a XXXX XXXX and a phone number, but they also gave the option to " Reply STOP to opt out. '' The second text message, sent on XX/XX/XXXX, repeated that it was Halsted Financial trying to collect a debt, but they offered a vague payment plan option in order to save a specific sum of money in seven payments. They named their creditor as XXXX XXXX XXXX, XXXX. 
After receiving the second text, I looked into Halsted Financial and found a page on their website discussing Scammers and Fraud. Here, they encourages those who believe they are receiving scam calls/emails/messages should call their number listed on their website, so I did. When they picked up, there was too much static for me to understand the person on the other line, but they said nothing about being from Halsted Financial. I also noticed that their website was last copyrighted in XXXX, which is three years expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX supervisor XXXX XXXX told me steps to follow to have an unauthorized hard inquiry removed when vendor refuses to cooperate XXXX file XXXX Ftc report XXXX All documentation was submitted via usps to XXXX address numerous times the last being XX/XX/22 XXXX refuses to remove unauthorized hard inquiry by XXXX XXXX of XXXX XXXX XXXX XXXX Since vendor refuses to cooperate XXXX said if proper ID and FTC report and letter are received the hard inquiry of XXXX XXXX will be removed Now I am told it can not be removed
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am a consumer. My SSN is ( Private SSN ), My DOB is ( Private DOB ), Complaint is : The CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C Sec 1681c-2 ) that you, Experian credit reporting agency , block information that 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 two personal credit cards accounts. Both opened at XXXX XXXX XXXXXXXX. Both opened on XX/XX/XXXX, both under account numbers ( private numbers ), 1 Mortgage opened at XXXX XXXX  opened on XX/XX/XXXX, under account number ( private number ). Another mortgage opened at XXXX XXXX  opened the same day on XX/XX/XXXX, under account number ( private number ). A collection account at XXXX XXXX XXXX opened on XX/XX/XXXX. There were also numerous several fraudulent inquiries. I have attached a my FTC complaint and my final and last dispute submitted to you. The aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a result of identity theft and fraud. Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection, and hard inquiries are the result of identity theft and fraud. 

I request, pursuant to FCRA Section 605B ( 15 U.S.C Sec 1681c-2 ) that the Experian credit reporting agency, block all accounts, collections, and inquiries identified in the CFPB complaint from my consumer credit report file within 4 business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address )
Product: Mortgage

I am the successor in interest to a family home in mtn. home Arkansas. It took numerous attempts over the course of a year to get Mr. Cooper the mortgage servicer to recognize this. Since then I have requested a validation of the debt and the payoff amount. I requested any and all available loss mitigation options to be presented. None of these have been done or provided. They have on multiple occasions tried to assert the property is vacant and send people to " maintenance the property '' to which I have responded on each occasion that the property is not vacant. I believe this was done to ultimately cause more fees to be assessed making it more difficult to keep the property. I have not been properly noticed of the immanent foreclosure. No proof that Mr . Cooped has the legal right, standing, authority to foreclose and sell the property. 

Upon my own investigation I have discovered Mr. Cooper is demanding the remaining principle of {$35000.00}, plus {$14000.00} in missed payments, and {$7000.00} in " lender paid expenses ''. There is no details as to what these charges are for. The {$14000.00} includes principle amounts that the are adding to the states remaining principle balance in an effort to get more money in profits that could possibly be owed. I believe this to be a unconscionable and deceptive practice that was done intentionally by the mortgage servicer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  inquiry XX/XX/year> I am reporting a fraudulent inquiry fond in my Trans Union credit repoet...
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my XXXX, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Citicards is reporting a debt on my file along with XXXX XXXX for a debt I don't recognize. I think they are the same debt and I ask you please validate the debt for me as I have no idea what it is.