23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage was sold to Green Tree XX/XX/XXXX, which recently merged/rebranded with ditech. On XX/XX/XXXX I received a phone call from a gentleman at ditech informing me that I owe {$27.00}. I asked how and why as I have made the same payment for months now. He indicated that the escrow account had been recalculated and increased. I asked him to send a copy of the escrow statement, as I do n't have any notification of a recalculation, and once received I would pay it. I have one letter indicating that the mortgage rate would increase and that there was a new amount, which I have been paying on time each month since. After that letter was received, it seems the escrow account was recalculated, but I never received any notification of such or what the new payment should be, thus a {$27.00} differential. When we initially set up our account online with Green Tree, I elected to be a paperless account. They then proceeded to send mail to my address, which was returned by the Post Office. This triggered them to deactivate our online account, meaning they will not upload monthly statements or any documents to our online account any longer. I called back to the Customer Support line on XX/XX/XXXX to request all past statements from XX/XX/XXXX to current. I was told they can not send copies of monthly statements because they do n't have them. They went on to say if they were mailed and the mail was returned there is nothing to post to the online account, thus they have nothing on file. Of course, I elected to be a paperless account so nothing should be mailed to me. XX/XX/XXXX, I was informed that monthly statements are a courtesy only and that they are not required to produce them. It is interesting that I receive weekly refinance solicitations from ditech, however no monthly statements can be produced and posted to our online account. I have to wonder if once you elect to be a paperless account, they purposefully mail you advertisements and if they are returned they cease communications of all monthly statements/escrow reports which can put a homeowner in jeopardy financially. This lacks a great deal of transparency. 
*Mailing address was changed XX/XX/XXXX and should not be the same as property address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine nd i want it to be remove from my credit report asap. 

1. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine.
Product: Debt collection

XXXX/XXXX/124 I received an alert that a collection account had been placed on my credit profile w/ XXXX. When I looked further into it I see that it was Southwest Credit Systems for {$1100.00}. They have never attempt to reach out by phone or mail. This is a direct violation of FCRA as the debt is not even valid as this issue was resolved with XXXX nearly two months ago because after filing a XXXX  compliant someone finally reached out and was willing to discuss my account w. the Executive Offices. After we both reviewed the account we found that XXXX had charged for services after I canceled the account and because they were unwilling to speak to me, locked me out of the account and were sending all correspondence to the incorrect address. We agreed on {$480.00} would handle the obligation in full and all collection action would cease. I attempted to resolve this with the collection agency and they were unwilling to do anything other than except payment and I explained that nothing was owed and asked when they last time they attempted to very the account. I received no answered and I informed them that they were in violation of FCRA. I was immediately transferred to another department where the lady started yelling at me and refused to let me speak, over-talking me. She then hung up on me. I called back only to be told that they would not be able to assist me because I threatened legal action and that I needed to provide my attorneys information. This was incorrect and upon telling them that i had simply informed them that they violated FCRA and my right and if they did not resolve this issue immediately it would result in a CFPB complaint. the again disconnected the call. I attempted a third time and the representative took over 20 minutes to gain access to the file and had actually told me that she was unable to access and I would need to call back tomorrow when they reopened again. When I refused to drop the line until I was helped she magically gained access but was only willing to take a payment and transferred me again to their escalations department only to be greeted with a viocemail. They are unwilling to resolve their issue of reporting a fraudulent account to my credit without verifying it. I have since contacted XXXX  and they said they were told to cease all collection attempts as the account was paid in full.
Product: Money transfer, virtual currency, or money service

Venmo froze my account I had {$10.00} balance I called support 5 times Everytime they pass me onto next support tier I don't hear anything after that
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer Name : 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. 1681c-2 ) that you, the Experian credit bureau agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened 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. I've attached 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit. These accounts I don't recognize them, I didn't authorize them, they are being reported by a 3rd party could you please remove them off my report.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i filled an online dispute # XXXX with XXXX that was incorrect please have it removed. I also filled an online dispute with TransUnion # XXXX on XX/XX/2020 please have it removed.
Product: Credit reporting or other personal consumer reports

Consumer name ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Experian 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 account opened at XXXX XXXX XXXX on XX/XX/year> under the account number ( XXXX ) with a balance of {$5500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent late payments appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 # ( 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: 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$430.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

5. Enforcement and Compliance ( 15 U.S.C. 1681s ) : - Consumers can report violations of the FCRA to the Federal Trade Commission ( FTC ) or bring legal action against violators to seek damages. 

Do these violations, Ive been denied credit due to these actions from accounts above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a total of 7 checks spent with XXXX XXXX XXXX XXXX in XXXX County Michigan that were returned for insufficient funds. I paid all of this off in full as part of the XXXX XXXX prosecutors bad check diversion program. The checks were issued in XXXX. The payment in full was in XX/XX/XXXX. However, these still show as unpaid on the Equifax credit report and are a delinquent mark that continues to limit my credit score. I have tried to correct this with them but they are unresponsive. I would greatly appreciate it if this was corrected to reflect the actual status.
Product: Credit reporting or other personal consumer reports

Can not unfreeze my account because i was never given an unlock pin and i believe i was spoofed and can not unlock frozen account because Experian account is not controlled by me.
Product: Credit card or prepaid card

CAP ONE NA pulled my credit in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without my permission or knowledge.
Product: Checking or savings account

My savings account was suddenly closed by Citi bank after I tried to transfer funds from my Citi savings account to another account ( something which I had done in the past, but with smaller amounts ). Without warning or communication, my savings account was closed on XX/XX/2022 for " suspected fraud '' and I was unable to access my money or online account. After calling Citi many times, the representatives told me that my remaining funds ( ~ {$5000.00} ) would be sent to me in the mail in 30-60 business days. After explaining to them that this was not fraud, proving it was my account, and telling them that it was unacceptable that they would hold onto my money for so long ( money which I need for food and groceries ), they said there was nothing more they could do and that I just need to wait the 30-60 business days. Today is XX/XX/2022, well over 60 business days from when Citi closed my account and I still have not received my money. The stress and frustration this situation has caused is immense.
Product: Debt collection

To Whom It May Concern, I am filing this complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), for their improper handling of a fraudulent account that is the result of identity theft. This account is linked to an apartment lease in Virginia, a state where I have never resided. I am a resident of New York, and this debt does not belong to me. 

I have taken the necessary steps to notify XXXX that this account is fraudulent. I provided them with an FTC Identity Theft Report and affidavit to support my claim. Despite this, XXXX has refused to cease collection activities and is demanding irrelevant additional documentation, such as a lease agreement for my current address. This is not feasible as I live with my grandparents in New York and do not have a formal lease. 

Violations of the FDCPA FCOs actions violate several provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 1.

15 U.S.C. 1692d : Harassment through continued collection attempts after receiving evidence of fraud.

2.

15 U.S.C. 1692e ( 8 ) : Failing to acknowledge and communicate that the debt is disputed.

3.

15 U.S.C. 1692f : Using unfair practices by imposing unreasonable demands that go beyond what is necessary to resolve the issue. 

Their refusal to accept legally sufficient evidence of identity theft, such as the FTC report, and their continued collection efforts demonstrate a lack of good faith.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXXXXXX XXXX XXXX XXXXXXXX - {$140000.00} Inquiry XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Everything has to be 100 % accurate on the credit report Dates reported are not accurate. Also, does not match. This grounds for removal. They also violating my rights under.

15 US C 1681 section 602 A. I have the right to privacy 15 U.S.C 1641 Section 604 A Section 2 : also states a consumer reporting agency in The can not furnish an account without my written instructions.
Product: Credit card

Navy Federal sent me an adverse action letter on my account stating that my they would be closing my account based on reasons that were unclear to me and very broad felt like it was a generic letter And I felt that it was not fair because I had been paying on the account regularly and I communicated to them that I wanted to continue paying it to pay it off and their answer was that they were going to close my account giving me an adverse action Since then, I have not paid the minimum amount for two months because I was asking them for information about the adverse action and they never provided it to me I would like clarification on the adverse action that they took to clarify before I continue to make my payments, but they have yet to be available for me to ask them Instead, they constantly call me and harass me during working hours and when I tried to call them back when Im done working, they say their offices are closed and that to send them a message online which I have still waiting for the answer I would like to have my credit card open as it is imperative to my credit repair journey, and I would like them to help me do that.
Product: Credit reporting or other personal consumer reports

I am formally disputing an inaccurately reported account on my credit file and demand the immediate investigation and deletion of all inaccurate, outdated or unverified accounts listed below under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX  parties you are damaging my reputation and credit worthiness. 

The following accounts that are in question are : 1. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # : XXXXXXXX XXXX XXXX XXXX # : XXXX Despite your use of automatic data furnishers, these consumers have not provided any of the following documentation. Simply parroting information from data furnishers without actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX Transunion XXXX., 115 F.3D 220 ( 3rd Cir. 1997 ) as well as XXXX XXXX XXXX, XXXX, XXXX TRANS UNION XXXX LLC, Defendant. 

In addition to these investigations there has not have not provided a financial contract between the company and myself, reflecting that the account report by Transunion is valid and that I have contractual obligation. Nothing in detail the charge off procedures as they apply under XXXX XXXX XXXX of XXXXXXXX XXXX XXXX XXXXXXXX, XXXX Stat 74 Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. TransUnion has failed to properly verify the account and instead relied on the e-OSCAR system, which does not constitute a reasonable reinvestigation as required by FCRA 15 U.S.C. 1681e ( b ). 

Attached is my filed complaint with the FTC that has been submitted regarding XXXX noncompliance. You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

I am including a police report and identity theft report, along with copies of my drivers license and Social Security card. Despite clear documentation, TransUnion has failed to conduct a thorough investigation or provide legitimate verification, which is a direct violation of my rights under FCRA 1681i ( 5 ) ( A ).

PLEASE BE ADVISED THAT THIS DISPUTE IS BEING INITIATED SOLELY BY ME, WITHOUT THE INVOLVEMENT OF ANY XXXX  PARTY.
Product: Debt collection

Requested validation of 2 debts listed on credit report by XXXX XXXX. Also requested proof of legal permission to collect this debt from me. XX/XX/XXXX via eFax. 

According to the State of Tennessee, XXXX XXXX XXXX is not licensed to collect. 

License Details License Status Vol Surrender License # XXXX License ID XXXX Expiration Date XX/XX/XXXX Original Date XX/XX/XXXX Profession Code XXXX Profession Name Agency First Name  Middle Name  Last Name XXXX XXXX XXXX City XXXX XXXX State CA Zip Code XXXX XXXX XXXX XXXX XXXX License Activity Description Vol Surrender
Product: Credit card or prepaid card

I have an apple credit card that I never use. I was alerted on XX/XX/XXXX from my fraud protection company that I was delinquent on my account. I checked the card and saw small charges that I never authorized. The charges are listed as followed ; XX/XX/XXXX. {$.00}. 
XX/XX/XXXX. {$5.00}. 
XX/XX/XXXX. XXXX XXXX. 
XX/XX/XXXX. XXXX XXXX Interest fee. 
XX/XX/XXXX. XXXX XXXX Interest fee. 
XX/XX/XXXX. XXXX XXXX Interest fee. 

I contacted Goldman Sachs/Apple on several occasions and they gave me the run around. Several managers said they would credit back my account for the {$8.00} and would have it removed off my credit with the bureaus. I have not used this card since I got it and did not authorize any transaction. I never received any notification of past due by email, text or postal mail. Today they notified me that they would not take the charges off that they believe they are accurate. They can see from my history on this card I never have used it. Why would I allow {$8.00} to ruin my credit?