23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, ERC and XXXX XXXX are illegally attempting to collect a debt that does not belong to me. 

I received a debt collection notice from ERC on XX/XX/XXXX. I was confused as to why I received this letter, but I opened it because it was addressed to me. 

I opened the letter to discover that I somehow owe a debt to XXXX XXXX in the amount of {$340.00}. I had never done business with XXXX XXXX in my life, ever! 

Confused, I decided to contact ERC, the debt collectors. They never answered their phone. After contacting them through email and explaining the mistaken collection, they told me I needed to contact XXXX 

I contacted XXXX XXXX  on XX/XX/XXXX to get to the bottom of this. I was able to speak with someone, and after sharing with them the information on the notice which had the account number on it, they were able to see who the account belonged to as well as a starting date for service. 

The XXXX XXXX representative informed me that the account was made in XXXX, XXXX. They could not locate my information anywhere even after providing my social security number. The woman on the phone literally stated they have no record of me as a customer. I suspect the name on the account was from the previous owner of the home of which I became the owner of in XX/XX/XXXX. I suspect this because they had my current address on file and relayed that the account was created in XXXX of XXXX, but provided no name. I was also XXXX XXXX XXXX in XXXX living with my parents. 

After relaying these facts to the representative, she directed me to fill out an identity theft form provided through XXXX 's fraud portal on their website. I filled out the forms and provided the necessary documents to the best of my ability. They required Proof of residency from the past 8 years. In addition to providing my living history, I provided proof of purchase of my current home from XXXX, XXXX. 

After I submitted all the required information I received an email from XXXX on XX/XX/XXXX stating I need to provide proof of residency from XX/XX/XXXX. To my knowledge, I can not provide this proof because it does not exist. I was a minor at that time and can not provide proof of residency from 20 years ago because I was a XXXX, in school, with no bills, job or identification. 

After receiving this response I decided to submit a complaint to the CFPB. 

I also notified ERC of this problem and they put the collection notice on hold until this gets sorted out. 

I'm at a loss and I don't know what else to do. Please help me. I have attached all the documents I sent to XXXX XXXX  for your review as well as their email response and the collection notice from ERC. I will be more than happy to cooperate with you in order to resolve this issue. 

Thank you
Product: Credit reporting or other personal consumer reports

Equifax an XXXX are not reporting the same information. Equifax has not been updated since XXXX.
Product: Credit reporting or other personal consumer reports

I did a investigation on my credit file which these companies claimed that these accounts belong to me. I have information from the source that these accounts clearly don't belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX Both account are on my credit file and clear with the information I received don't belong on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting late payments to my credit. Ive tried having them remove the last payments they will not. I was not late on any payments.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Credit reporting or other personal consumer reports

I need this mixed information to be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CANT BELIVE THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THEY ARE CAUSING ME SO MUCH EMOTIONAL DISTRESS. THIS IS A VIOLATION OF MY RIGHTS. PLEASE HELP ME REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE. THESE INQUIRIES ARE ALSO FRAUDULENT. PLEASE TAQKE THIS STUFF OFF MY CREDIT. 
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



1. XXXX  - XXXX 2. XXXX XXXX - XXXX 3. XXXX XXXX - XXXX 4. XXXX XXXX  - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

XXXX XXXX XXXX, XXXX as the trustee for Option One Mortgage Loan Trust XXXX claims to be holder of the note and claims to have a valid transfer of assignment. We did a title search on X/X/2011 and Option One Mortgage Corporation, a California Corporation was the holder of the note, but a transfer of assignment was filed in XXXX County Land Records office on XX/XX/XXXX, after our mortgage was in default.
Product: Student loan

I have a loan that is from XX/XX/XXXX. XXXX. I was paying then the bank that had the loan went under. I did not hear anything for yrs then when I did the loan was XXXX. No records of any $. I asked about other $, was told they did not have a record and this was the loan amount. Starting payment again. Then new company took over, loan was again the XXXX with no record of $. This has happened over & over so many times I can not keep count. Now Great Lakes has it; they had the loan at XXXX w/n record of $. I have called them over & over to try to get this settled. My loan went to default once & I was paying XXXX monthly. Great lakes did not have this records either. I called the default department to get this moved over. I asked them to contact the company that I was paying & great refuses. They refuse to look for any payment history! The student loan is listed 3 times on my credit; I have gone around & around with the student loan to get this corrected. So they finally closed XXXX of them just to leave the XXXX listed as money owed. What money is listed on the other XXXX that they closed, that money should be transferred to the great lake account. I have cks showing payments great lakes does not have & they refuse again to accept or try to help get this correct. I was buying a house in XXXX TX in XX/XX/XXXX is when I got the student loan to close out the open accounts that was listed incorrectly. I was not in default and was paying at that time I have ck to XX/XX/XXXX. This loan should be paid off, yet as I sd before Great Lakes refuses to look for the other companies that has this loan & find the payments. This is an in just to me, I want the history of my payments found and applied to the 4K which is what the loan should be. I went to school to be a nurse. I have worked in the XXXX field for over 20yrs and now XXXX. They are threaten to take my SS. I want this removed & shown as paid. I have even tried to get them to take a pay off & they refuse. I do not owe XXXX$! Please help get this settled; I do not know how you will do this without me being able to leave personal info. So I feel this is also a waste of my time & who ever reads this. Where do good people get help from the crooks in GOV!? I have no other recourse but to file bankruptcy. Which is very very sad!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

on XX/XX/16 I sent in letters to California XXXX XXXX and Midland Funding regarding accounts showing on my consumer report by them that I don't recognize and were never authorized by me. I sent in validation request and never received any response from neither company. They are not above the law and must respond to any consumer requesting information pertaining to any alleged debts.Its been more than 30 days and I'm left to assume that there is no validation and that these accounts can not be validated with proof because they don't belong to me. attached are my original letters. Attached are two more validation request that I have mailed out to each company. California XXXX XXXX certified receipt # XXXX and Midland funding XXXX
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies need to report all information with complete accuracy, The following XXXX XXXX accounts have been reporting to my credit for a long time with inaccuracy repeated charge - off reports, this account 's is inaccurately reported with monthly charge- offs, potentially re-aging the debt illegally. This constitutes a clear violation of 15 U.S. Code 1681e ( b ), also Omission of account transfer/sale information. The failure to report the transfer or sale of the account misrepresents its status, in violation of 15 U.S. Code 1681s2. Remove the following capital one accounts immediately as they are hurting my credit. Account XXXX and XXXX Lastly you have updated payment information and made the account even more inaccurate.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Mortgage

I have had a problem with Freedom Mortgage, in regard to my escrow account. In XXXX of 2023, I received a notice of escrow account shortage, and escrow account analysis. I immediately contacted Freedom Mortgage, spoke to a live agent, and paid the shortage. However, my mortgage payment still increased to {$1300.00} as shown in their analysis. 

I contacted Freedom Mortgage again, spoke to a live agent, who said the escrow account had not been credited properly, and who assured me he would make the correction. After this, my mortgage payment changed to {$1300.00}. 

Their formula : XXXX expects to pay {$7600.00} over the next 12 months. Spread over 12 months equals {$630.00}. {$690.00} ( PI ) plus {$630.00} equals {$1300.00} ( new payment ). 

However, if you use their formula and credit correctly, it should look like this : {$7600.00} minus {$630.00} ( escrow shortage payment ) equals {$6900.00}. Over 12 months equals XXXX. This amount, added to {$690.00} ( PI ) equals {$1200.00}, which *should* be the corrected payment. 

I have spent all the time I am going to on their voicemail from XXXX trying to get to a live person. Now I am turning to an outside agency, in the hopes that you may be able to help them take the time and trouble to correct my account. 

This doesnt look like a huge discrepancy, as it was about {$100.00} the first time and about {$50.00} the second. But, since its not being credited to the escrow account or the loan, where is the money going? Also, I cant help but wonder, am I the only person having this problem, or are thousands of others who have not noticed or taken the trouble to report it? 

At any rate, I would just like my account credited correctly, and statements to be accurate. Thats all Im asking for, and Im hoping your agency can help make that happen.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CHRYSLER CAPITAL is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

LAST WEEK I WAS MADE AWARE OF TWO FRAUDULENT, REVOLVING CREDIT CARD ACCOUNTS BEING REPORTED ON MY CREDIT PROFILE : EXPERIAN, XXXX XXXX XXXX. I CALLED THE AGENCIES THEMSELVES MULTIPLE TIMES RE : THIS MATTER AND WAS ADVISED TO APPROACH THE CREDITOR THEMSELVES : XXXX XXXX XXXX XXXX XXXX XXXX. I FOLLOWED SAID INSTRUCTIONS TO THE TUNE OF MULTIPLE CALLS ALSO. BOTH XXXX  XXXX XXXX XXXX XXXX XXXX  CONFIRMED THAT NEITHER ACCOUNT WAS ASSOCIATED WITH MY NAME OR SSN : THEY ASSURED ME OF THAT MULTIPLE TIMES & SENT OVER DISPUTES FROM THEIR RESPECTIVE OFFICES. I THEN CALLED THE REPORTING AGENCIES TO CONFIRM RECEIPT OF THE DISPUTES AND THE RUN-AROUND HAS BEEN AN ABSOLUTE BURDEN. THE AGENTS ADDRESS ME AS IF THEY'RE THE VICTIM & FURTHER CONTEND THAT I, THE CONSUMER & VICTIM OF THE NONSENSE THEY'RE REPORTING, SHOULD BE THE ONE CONDUCTING THEIR JOB OF INFO GATHERING & VERIFICATION. THE AGENCIES HAVE A DUTY TO PROVIDE FAIR & EQUITABLE REPRESENTATION AND DUTY TO CARE FOR OUR PERSONAL INFORMATION. TO DATE THAT HAS NOT BEEN DONE. I DESERVE TO HAVE MY INFORMATION REPORTED CORRECTLY. 

FURTHERMORE, THERE ARE ADDRESSES, PHONE NUMBERS, EMPLOYMENT INFORMATION, AND HARD INQUIRIES BEING REPORTED. THERE ARE NUMEROUS ERROS AND I'VE GONE IN CIRCLES TRYING TO SIMPLY GET SOMEONE ON THE LINE THAT DOESN'T HAVE A LANGUAGE BARRIER OR IS JUST MORE INTERESTED IN THEIR TALK TRACKS AND RUSHING ME OFF THE PHONE VS. GETTING THE DISUTE CORRECT FROM THE START. ITS INCOMPETENCY AT BEST OR THEY SIMPLY DON'T CARE. EITHER WAY ITS UNACCEPTABLE.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries on my credit reports and the CRAs will not remove. I'm providing an Identity Theft report, as I have found out I have been a victim of identity theft. I'm requesting they be removed from my report as they are inaccurate and not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Equifax, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan from speedy cash about 5 years ago XX/XX/XXXX to be exact for {$100.00}. I checked my credit score in XXXX and tried to dispute the account because it was closed and sent to a collector and the debt was also listed for {$240.00}. However, when I went to check my credit score again in XXXX they opened the collection again this time they changed the date stating that I opened the account in XXXX of XXXX, which is incorrect. I tried to dispute it again for incorrect information and they reopened the debt again reporting the date as XX/XX/XXXX and I have not been in contact with or received a loan from speedy cash since XXXX. They have not sent me any mail or notice stating that I have a debt nor have they sent me anything saying why the loan has went up over {$140.00}. They keep reporting the debt on my credit and changing the date every year or two. Then when I try to log on or speak to someone I can never get in touch with anyone. The information they are reporting is false, I have not had or received a loan from this company. And they keep reporting an old loan that has been sent to a collection agency and should have been closed. Its inconvenient and unfair that a company can continue to fabricate and falsify documents and information.
Product: Credit reporting

Spoke with XXXX at XXXX XXXX. He reports the case is closed and all I need to do is dispute it to remove it from my credit report
Product: Credit reporting or other personal consumer reports

Equifax Violation 15 U.S. Code 1681i - 1st violation- Reporting inaccurate information with malicious intent. You have been provide with identification for this field and have fails to update it on numerous occasions. You have prolonged the dispute process while not once running an accurate dispute or reviewing dispute information. Attached are all files that have been investigated and delete from XXXX, Equifax has refused to review information for dispute and rushed dishonest to further prolong process
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX : {$4500.00} ; XXXX XXXXXXXX Balance : {$760.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I tried to get my credit report by email with no success. Tried by calling in telephone, same, no luck it kept dropping me. Tried by mail I could not download the form. 

My whole morning is ruiened
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX BANK Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to DEPT OF ED/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX  customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account number XXXX, a collector for XXXX XXXX XXXX is trying to collect a debt I do not owe and is wrongfully appearing on my TRANSUNION credit file. 
At the time of service I had XXXX, XXXX XXXX XXXX XXXX, A GOVERNMENT INSURANCE that I have had most of my adult life and that was in full force and effect. 
The treatment was for XXXX XXXX XXXX XXXX that was completely covered by insurance.The insurance person at the hospital came to me after doing the paperwork and said regarding the insurance '' ok, everything is fine. ''
Product: Vehicle loan or lease

The company did not deduct the payments from my bank account and then negatively effected my credit.