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

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.
Product: Debt collection

I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

I am out another {$100.00} application fee for rental and my housing rights are being harmed! I can not get rentals and or purchase now. I owe nothing to a prior landlord, I received CERA funding ( Covid 2021 ) and have bank and payment portal receipts, letter of initial approval for CERA funding and an email correspondence with my case worker even acknowledging the property Management confirming to MSHDA they received " payments in excess ''. You can clearly see that they received more funds than they claim I owe! 
I was not in rental unit past payments made, so not sure how they continued to charge?
Product: Credit card or prepaid card

I purchased an item recommended by XXXX and got scammed. It was a fake watch, Goldman Sachs ( GS ) was not helpful, the seller was not in America like they represented and said they sold sliding glass doors, not watches. The seller provided GS with a one page document. I paid XXXX XXXX to have the watch appraised and submitted a 20 page XXXX of interaction with the seller and fraudulent claims. I finally was told by a GS call rep to file a police report. I have and have mailed the printed pdf of proof to GS. I have been flagging this transaction since XX/XX/2022. With each denial I have emailed GS additional proof and they say they dont have it.
Product: Credit reporting or other personal consumer reports

After looking at my credit report I realized Transunion has been reporting inaccurate information on my credit report for years. This inaccurate reporting is hurt my opportunity of getting credit. Transunion needs to fix each error I pointed out in my dispute or Delete this account! I learned each Volation is {$1000.00} I will be checking each item and catorgy that's its reporting correctly once this investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 
Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

Creditor was asked to update inaccurate information showing on the credit report. There were several late payments showing on a mortgage account from XX/XX/XXXX to XX/XX/XXXX that are inaccurate. They are inaccurate as the home was sold in XX/XX/XXXX, and the loan/account was paid and closed. Therefore, there is NO way this account should be reporting almost a year later with late payments when the account was closed. The creditor has agreed that this information is inaccurate and should be removed. They contacted the bureaus to remove the inaccurate information, but nothing has been done. The CEO contacted and stated that they would send me a letter stating this information, which they did, and I have attached the letter. It will state that the inaccurate late payment and date of last activity information should be removed. Please DELETE the inaccurate information and update XXXX late payment as current. Thank you for your assistance.
Product: Student loan

Due to my undue hardship in XX/XX/XXXX & my efforts made to lessen my debt burdens, which included my Student Loan with the XXXX XXXX XXXX XXXX, I filed a Chapter XXXX Bankruptcy in XXXX XXXX. Legal documentation & evidence that my hardship would cont. for a significant time period was provided to the XXXX XXXX XXXX XXXX XXXX XXXX. And, I had the good faith through making the effort to repay my Student Loan from XX/XX/XXXX thru XX/XX/XXXX. A determination of undue hardship was granted by the U.S. Bankruptcy Court XXXX District of California filed XXXX XXXX, XXXX. My Student Loan debt with XXXX XXXX of {$77000.00} was included included & listed as a creditor. During this time period I made the necessary interest payments on my student loan because, I cont. to receive calls from XXXX XXXX Servicing Center explaining how I can avoid extensive collection action after my Chapter XXXX was satisfied which would include salary attachments, liens, & unable to regain eligibility for any Federal Student Aid. In XXXX XXXX I received my Chapter XXXX Final Decree & Case Summary with a case completion letter from the Trustee. I shared this information with XXXX XXXX Servicing Center with no success obtaining a full Discharge. The interest payments cont. until XX/XX/XXXX. In XXXX XXXX, I received a letter of notification from XXXX XXXX informing me that my, " loans starred ( * ) below '' {$77000.00} had been paid in full because they had been consolidated into a new loan. I was instructed to send all future payments for these loans to the new Student Loan Servicing Center, The XXXX XXXX XXXX Federal Direct Loan Program. I had no knowledge of any signed documents or my approval due to my loan had previously been discharged. The XXXX XXXX XXXX Program Annual Statement listed my Student loan transfer information beginning XXXX XXXX, XXXX and ending XXXX XXXX with a balance of {$0.00}. However, the XXXX XXXX XXXX XXXX listed my transfer balance from XXXX XXXX of {$160000.00} not the original balance listed on my bankruptcy of {$77000.00}. My loan was transferred to the Income Contingent Program while the XXXX XXXX XXXX XXXX investigated my report. However, my loan transferred to AES ( American Education Services ) in XXXX XXXX & my Plan was changed to a XXXX XXXX XXXX without any reference to my Discharge in XX/XX/XXXX. Another transfer to XXXX XXXX Loans in XXXX XXXX thru XXXX & back to AES in XXXX XXXX to present. After sending several faxes, mailings, telephone calls, contacts from AES, I only to cont. to receive information that their XXXX. did not receive any of my documents or they never received any information about my Chapter XXXX Bankruptcy in XXXX, who signed for the documents I sent & that the name I supplied has no reference to AES or anyone within their Dept. I am at a loss. I cont. to receive letters/notification for payment & the requested monthly amt. has increased to over $ XXXX/month regardless of my student loan under investigation within AES 's Bankruptcy Dept. And, the claims Rep. cont. to remind me that I have exhausted all means of forbearance/deffer. Programs at this time.
Product: Debt collection

I had   XXXX    XXXX  on  XXXX  the  XXXX . I have many debts from it and make payments every two weeks. Two weeks ago I got a notice from a collection agency, AARGON, stating I am in collections for an outstanding bill of {$40.00} from a   XXXX   XXXX  . Apparently, m  y   XXXX   came from there. The thing is, I have never heard of  XXXX   XXXX  nor have I ever received a bill from them. I contacted  AARGON  and let them know this. I was told my credit will be ruined if I do n't pay the {$40.00}. All I asked them for was a copy of the original bill. They told me I could find it on their web page. I asked for them to just email it to me. I was told, " I 'm not going to do your work for you. '' So, I went to their website and found my account. The orginial bill is not there. There is just a copy of the notice they sent to me. So I reached out to my doc 's office. They had no information other than   XXXX   XXXX   is a company they use. So I contacted  XXXX   XXXX . They did not have info but told me they would find out. But they have not called me back. I want to get this resolved, do NOT want my credit affected, and feel I have a right to see an original bill from this company. If I owe the {$40.00} I 'll pay it. But I ca n't help but feel they just check out patients and tack on bills to increase their income. Why else would they not send me a bill? I 'm out of pocket over {$6000.00} on this  XXXX . Yes, I can pay the {$40.00}, but the point is I believe I am being mistreated.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of incorrect accounts from my credit report. Could you look over the documents? Some accounts listed have incorrect reporting, amounts, and dates.
Product: Debt collection

They say its a valid debt but cant show me where I was ever the person that established this account. Ive told them numerous times this was not my account and they report it as a judgement on my credit yet I never received any documentation to report to court. This is not my debt and have disputed numerous times and they report to the credit union that they have verified debt.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX, Consumer social security Number : XXXX, Consumer date of birth : XX/XX/XXXX, Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C to 1681 c-2 ) that you, The XXXX credit reporting agency , Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX, A Phone Account at XXXX on XX/XX/XXXX under the account number # XXXX, An Auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX, And a Auto loan at XXXX XXXX XXXX  on XX/XX/XXXX under the account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report mentioned by you which shows 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, or hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the US federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Quicken Loans is my current Mortgage servicer and I live in CA. 
XXXX XXXX from Quicken Loans started my loan refinance after several calls to my home phone. When I was given the Initial Disclosure, I agreed to start the process, This Monday XX/XX/XXXX I was sent the Closing Disclosure for me to review and acknowledge. I started checking all the numbers to see if there were any differences and I discovered a discrepancy of {$2200.00} in Section F line 01 in the prepaids section. My current loan escrow impound just paid {$1100.00} for my Home Insurance on XX/XX/XXXX and it covers my home until XX/XX/XXXX, but the money was paid from my current escrow impound because I keep track of payments of taxes done. 
Anyways there is a OVER CHARGE of {$2200.00} in the closing disclosure and I already talked to XXXX XXXX XXXX direct and still do not have a resolution to this. They claim they prepaid my home Insurance and thats the EXTRA {$2200.00}, But I know this is a Scam. 
They are trying to rob me if I had NOT pay attention to the Final numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you regarding my credit report, which contains inaccurate and fraudulent information. I have previously submitted an identity theft report detailing the fraudulent activities on my credit profile. However, I have noticed that the following fraudulent accounts and unauthorized inquiries are still appearing on my credit report : Account Details : 1. Account Name : XXXX  XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX These accounts were opened fraudulently without my knowledge or consent. I have taken the necessary steps to report this identity theft, and I kindly request that you investigate the matter thoroughly and remove these fraudulent accounts from my credit profile immediately. 

Furthermore, I have identified several inquiries on my credit report that are not associated with any active accounts. These inquiries were made without my authorization and have no valid purpose. Therefore, I request that you remove all unauthorized inquiries from my credit report as well. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants you the responsibility to ensure the accuracy of the information in my credit report. It is essential for me to have an accurate credit profile as it impacts my financial opportunities, such as obtaining loans or credit cards. The inclusion of these fraudulent accounts and unauthorized inquiries is not only detrimental to my financial standing but also a violation of my rights under the FCRA. 

To support my claim, I have attached copies of the identity theft report that I previously filed with the relevant authorities. This report provides clear evidence of the fraudulent activities and supports my request for immediate removal of the aforementioned accounts and inquiries. 

I kindly request that you initiate an investigation into these matters promptly and provide me with a written confirmation once the fraudulent accounts and unauthorized inquiries have been removed from my credit report. Additionally, I would appreciate if you could provide me with an updated copy of my credit report once the necessary changes have been made. 

Please note that the FCRA requires you to complete the investigation within 30 days of receiving this dispute letter. I expect a prompt response from you within this timeframe. 

Thank you for your attention to this matter. I trust that you will handle my request with the utmost urgency and ensure the accuracy and integrity of my credit report. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

15 U.S. Code 1605 - Determination of finance charge THE SUM OF ALL CHARGES WAS NEVER INCLUDED IN THIS FRAUDELANT LOAN, AS THE ORIGINAL CREDITOR THERE SHALL NOT BE A FINACE AMOUNT. 

ALSO, INSURANCE COSTS WAS NEVER ADDED TO THIS CONTRACT. 

TAGS AND REGISTATIN WAS NOT INCLUDED AFTER MY VEHICLE BEING PAID OFF THIS VEHICLE WAS STOLEN FROM XXXX XX/XX/2022 I DID REACH OUT TO SANTADER NO LUCK, I DID ATTACH DOCUMENTS AND XXXX POSTAL TRACKING CONFIRMATION RETURN MONEY AND PROPERTY SINCE I AM NOT LIABLE 15 U.S. Code 1635 - Right of rescission as to certain transactions ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as XXXX money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the information XXXX  reported on XX/XX/XXXX to the credit bureaus ( XXXX, XXXX XXXX TransUnion ) which still appear on my credit report, even after XXXX re-investigation about the dispute of late payments XXXX reported. XXXX XXXX then proceeded to change the entire account from included in bankruptcy XXXX XXXX on XX/XX/XXXX discharged on XX/XX/XXXX which is factual to C/O XX/XX/XXXX and included from XX/XX/XXXX thru XX/XX/XXXX in my payment history C/O repeatedly which is false. This loan was discharged back on XX/XX/XXXX I have ask over the last 3 years for XXXX o fix this issue and please provide me with any documents that XXXX obtain and its origin to process such information that over turned my XXXX..WFS is aware this loan had being included in XXXX WFS had it listed on my credit report as so then on XX/XX/XXXX they updated the acct to CHARGED OFF C/O ACCT withe {$10000.00} in BAD debt after serval times over the years disputing late payment reported on my acct after XXXX that should have been there also has acct listed as individual when in fact it was a joint loan ... my main concern is how did XXXX was able to give a debt after the federal courts release me from debt how/when did they get this XXXX over turned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible thank you for your time.
Product: Debt collection

Contacted XXXX/XXXX/XXXX I did not sign contract with company, I did not sign contract with company. Please remove from credit report.
Product: Credit reporting or other personal consumer reports

An account on my credit report has not properly been reinvestigated XXXX XXXX acct # XXXX according to 15 USC 1666B. I am challenging the timing of this alleged late payment and if you can not validate then please update to paid as agreed, never late
Product: Debt collection

PLEASE MAKE SURE YOU READ ALL OF THIS YOU WILL BE HELD LIABLE FOR KNOWING THAT YOU WERE GIVEN A CHANCE TO STOP VIOLATING THE LAW. 

This company is a fraud. They have put something on my credit without giving me chance for verification. Per Federal Law, XXXX XXXX XXXX, XXXX XXXX XXXX, and Commonwealth Financial can not prove I owe this. If this is not removed from my credit report immediately I will contact my attorney and sue each of you for damages. You might want to read the law. It is the job of the collection agency to prove ownership and you have yet to do so.