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

Dear Sir/Madam, I hope this letter finds you in good health. I am writing to bring an urgent matter to your attention regarding my consumer report. XXXX and XXXXXXXX XXXX XXXXXXXX XXXX both third-party vendors, have reported a bankruptcy on my consumer report without providing any validation of the bankruptcy in question. 

Having noticed this bankruptcy claim on my report, I took immediate action and contacted the bankruptcy court for confirmation. The court clarified that they do not provide any bankruptcy information to third-party vendors. Therefore, it appears that XXXX and XXXXXXXX XXXX XXXX have not only inaccurately reported a bankruptcy on my consumer report but have also failed to verify this information from a reliable source prior to reporting. 

Furthermore, it is my understanding that the Fair Credit Reporting Act ( FCRA ) requires that all information reported about a consumer must be accurate, and I have the right to dispute any inaccurate information. Therefore, I formally request that the CFPB investigate this matter and ensure the removal of this inaccurate bankruptcy claim from my consumer report. 

Moreover, I have not granted permission to XXXX or XXXXXXXX XXXX XXXXXXXX to share or release my personal information. Their actions are a clear violation of my rights under the FCRA, which guarantees my right to privacy and control over my personal and financial data. 

I kindly request your immediate attention to this matter. I believe that the CFPB, with its mandate to protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law, is best positioned to help me resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX XXXX. With intent shared private and protected information about cosumer information that XXXX XXXX. is aware of that via FEDERAL LAW XXXX HAD BEEN TOLD BY THE CREATION OF XXXX XXXX. XXXX AS WELL ASSTATE LAW OF DECEPTIVE TRADE P RATICES AS WELL AS A MEDICAL IDENTITY FRAUD CONCLUDED THAT THE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAD BEEN FOUND USING DECEPTIVE TRADE PRACTICES, AND YET CONTINUED TO PROMOTE THEIR FRAUDULENT TACTICS TO VIOLATE THE CONSUMER 'S RIGHTS TO DEFAME THE CONSUMER & PROMOTE THEIR TYRANNY WITHOUT PROPER ACCURACY AND DELETING THE ACCOUNT TO LIVE OF TO PROMISE OF GUARANTEED " MAXIMUM ACCURACY POSSIBLE. '' XX/XX/XXXX - ISSUED. STATEMENT OF COMPANY RESPONSE AS TO THE DECEPTIVE AND FRAUDLENT ACTIONS TAKEN AGAINST THE CONSUMER PROTECTED BY FEDERAL LAWS CREATED TO PROTECT XXXX CONSUMERS FROM DECEPTIVE TRADE PRACTICES SUCH AS FRAUDULENTLY TELLING THE CONSUMER THAT THEY WERE ATTORNEYS, VIOATIONS OF THE " NO SURPRIZE ACT '' CREATED & SIGNED XX/XX/XXXX. THE COMPANY KNOWN AS " XXXX '' ALSO STATED THAT THEY DO NOT COLLECT DEBTS. '' AS STATED ON ORIGINAL LETTERHEAD. THE COMPANY HAD NO CONTRACT AS VALIDATION WITH A " WET SIGNATURE. " COMPANY RESPONSE STATED- Company 's Response- The account has been returned to XXXXXXXX XXXX XXXXXXXX XXXX and our reporting of the account is in the process of being removed from the three credit bureau files. Please allow 5 to 7 days for process to be complete. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SHOULD SEND TO THE CONSUMER, AN ORIGINAL DOCUMENT ON ORIGINAL COMPANY LETTERHEAD THE WRITTEN STATEMENT TO THE CONSUMER AND APOLOGY FOR ALL WRONG DOING ON BEHALF OF THIER CLIENT - XXXX XXXX XXXX XXXX - AS WELL AS THE RETURN OF ALL ORIGINAL DOCUMENTS FRAUDULENTLY TAKEN TO INVADE MY PRIVACY WITHOUT CONTRACT, " WET SIGNATURE, '' FRAUDULENT VALIDATION TO ACT AS A THIRD PARTY OR PRETEND TO FALSELY CLAIM THEY WERE ATTORNEYS XXXX VIOLATION OF FDCPA, FEDERAL LAW, & DTPA PLUS THE CRA VIOLATIONS/ DEFAMING & IMPACTING CONSUMER 'S CREDIT SCORE WITH INTENT WILLFUL AND NEGLIGENT COMPLIANCE TO DO SO.
Product: Debt collection

On XX/XX/2021 collection company name receivable management Se, reported the amount of {$920.00} on my credit file, when I contacted the company they did not had my correct information like my address and phone number and they told me the amount is forcar insurance charges which I never had. 
I explain them I do had place fraud alert on my credit file since XX/XX/2021 as I was seeing someone trying to obtain credit using my information as I was seeing all the inquiries on my credit file so I decide to pick my file and put fraud alert. They said as the information is not matching with your address and phone number we will investigate but they did not remove that account from my file yet. 

I request please investigate the matter and and ask the company to immediately remove the account from my credit file thanks.
Product: Debt collection

Hello, i am a identity theft victim as shown on my credit report. 
i have no idea where this debt came from. 

after receiving the debt collection letter i called the company to ask additional information about the unknown debt over the phone ( ( XXXX ) XXXX ) after at least 15 calls i spoke with the a person which refused to give me the information and threatened me with collection on the credit report. 
After the phone call i sent a letter to " COAST TO COAST FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX '' with request of more information bout the debt such as : contract, my signature and any other related information about the debt.. ( copy of their debt collection letter attached to that letter as well ... ) its more than month and half and still nothing. 
ill ask to remove this collection notice from my credit report because a failure of debt proof .. 

thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/17 a dispute was filed to XXXX XXXX and Experian for a federal tax lien in the amount of {$11000.00}
Product: Credit reporting or other personal consumer reports

This letter is to Formally dispute the following account listed on my credit report. 

Account Type : Loan Creditor Name : XXXX  Account Number : XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report. 

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred. 
Proof that I am legally obligated to repay this debt. 

If the creditor or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report. 

Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate.

Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 

The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC violations sent police reports with other disputes
Product: Credit reporting or other personal consumer reports

Upon investigation of my credit I was sent into a spiral on panic and XXXX. I found unverified inquiries and a number of unverified accounts being wrongly reported. I find the actions of the agency questionable since it is their responsibility to ensure the accuracy of the information that they report. This is having grave effects on my life and I need it fixed.
Product: Checking or savings account

The company had a check image deposit option which did not work at all over the internet. After downloading the app, and trying to take a photo of the check which was to be deposited, the check did not appear in the box created by the phone 's camera. There was no image of the check saved to the app. The amount of the check was blocked, and the actual digits which were being given were a lesser amount of the check as they were typed from the device. After creating the image attempt and entering the amount which was made available for typing an amount, which was {$1000.00} less than the amount of the check, there was no pending deposit displayed at all. After viewing no pending transaction in the list of transactions including any possible pending deposit, and there not being a pending check deposited, I called customer service. The representative who I spoke to said she would cancel the deposit. The following day instead of there being either no additional activity or the deposit being marked as cancelled, the total amount of the check was withdrawn from my account. There was no money added to the checking account and the entire amount of the check was withdrawn giving it a negative balance in excess of {$3400.00}. The representative who answered the phone number when dialed then argued about the account, and asked me to give very detailed information about what the check was for, and not about where they check was drawn. They wanted other very personal information during the call and I was abused by the man on the phone in the way that he was asking for what he was asking for. Now, when signing into my account online, there has been a hold put on the actual balance which is now the correct amount of {$34.00}. My debit card is currently being blocked and I can not use the checking account to make any payments or withdrawals. There is also a recorded voicemail when dialing the number to have the block removed which asks me to give my detailed account number and to also give my name and the reason for my call instead of the normal 24 hour customer service for the block to be removed from the account. The voicemail which answered also stated that the voicemail which I leave will be " reviewed '' and then considered for a possibility that they might remove the freeze placed on my checking account after 48 hours.
Product: Mortgage

I called Planet Home Lending in XXXX to request options for payments while I tried to sell my home. My daughter XXXX XXXX XXXX XXXX XXXX XXXX  '. She has frequent XXXX XXXX XXXX XXXX XXXX  that require me to miss work. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. He now requires XXXX XXXX XXXX XXXX XXXX. I explained this to the representative. None of the options they gave me helped our situation. I notified them that I was in the process of listing the home with an agent and would be selling soon. I would be unable to make payments until the property sold. Forbearance wasnt an option because it had conditions where I couldnt list the home for sale. I was in the process of making repairs due to a storm coming through and causing a tree to fall on the garage and take out fences. This added more time to getting the home listed. By the time the agent met to list, the home was put into the foreclosure process and listed for auction XXXX. We are asking for more time, so we may have the opportunity to sell the home and prevent foreclosure from causing more issues in our lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$550.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on

XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am reque
sting this information to review for completeness and accuracy and  appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account.
Product: Credit reporting

I ordered a credit report from Experian on XXXX XXXX. The report number is XXXX. 

On my credit report XXXX shows a status : " Refinanced, closed/Never late. Balloon payment of {$57000.00} due XX/XX/XXXX. '' I called and spoke to " XXXX in XXXX XXXX '' ( that 's all the identification he would give me ) who told me that I should n't worry about this. It will just drop off my report XX/XX/XXXX. He agreed that since my status states " closed/never late '' there could n't be a balloon payment due. So I told him that the law requires Experian to remove any incorrect data from my credit report and that 's what I want them to do. He kept reading me my report - the statement above - and would n't agree to have the false information removed. 

I am asking that the CFPB require Experian to comply with the law and clean up my credit report. 

Thank you.
Product: Mortgage

I lost my daugher and my son. I am now losing everything, I am trying to short sell the home to start over and DiTech is saying they ran my credit report and that XXXX advised them their is no FICO score, nor do I have sufficient credit? I spoke with XXXX and they advised DiTech has requested nothing!!! This is holding up me going on with my sad life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently discovered that there was information that was pertaining to my personal information reported by XXXX. The information was showing that I had previous account open with XXXXXXXX XXXX and also XXXX XXXXXXXX XXXX which I never did. I had disputed the information with XXXX. Once I received a final letter from XXXX they mention that I will need to contact the bank directly to get it resolved. I called XXXX XXXX at ( XXXX ) XXXX which was provided to me from XXXX. I called them and spoke with fraud department. They were not able to find any information about me at all. I also contacted XXXX XXXX  XXXX as well and got the same information. I recently got off the phone again with XXXX and they said they will need to file another dispute. based off the conversation they can't do anything about until they hear back from the creditors. I am not sure what else to do how to get this false information remove so I decided to reach out to you for further help on clearing this information with XXXX.
Product: Credit reporting or other personal consumer reports

Transunion did not verify this account XXXX XXXX for {$600.00}. This account is not 100 % accurate please review the picture I sent regarding the investigation Trans Union sent to me. XX/XX/year>, its reporting 30 days late XX/XX/year> is reporting 30 days late, Then XX/XX/year> XXXX days late XX/XX/year> XXXX days late XXXX XXXX XXXX  days late XXXX XXXX days late XXXX XXXX days late. you can see the inconsistency theres account is not 100 % accurate as you can see for an account to go on charge off It must be 180 days late. and to be late it must be 30 days late 60 days late 90 days late 120 days late 150 days late and 180 days late this does not show that on my account at all. im requesting proof for last date payment.
Product: Credit card

I have disputed with Sear credit card home improvements, the disputed amount was XXXX , which was related about the kitchen renovation not done correctly, used faulty faucet appliance, water leakage. After submitting the complaint, they continue to charge with the promotion interest. I have called several times that resulted no solution. I will like to file complaint against Sears Credit card in regard this issue.
Product: Credit card

I have sent over {$500.00} worth of payments to this company that they have only applied {$100.00} worth of it. The company continues to report my account late 90 days despite receiving payments in their XXXX XXXX which they forced upon me as they fraudulently closed my account without consent transferring me to the early XXXX where you send payments via the mail hoping the company would apply them on time. Prosper isnt one of those companies. I have had debt lawyers contact them to settle this debt since they cant act in a professional manner of posting payment on time when they receive them. I attempted to get this debt transferred elsewhere to a reputable company that isnt in the business of ruining ones credit. Their response is always filled with lies, they dont send paper statements or online. I have to literally guess the payment amount. This company is truly an utter disgrace.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiry that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error. 

Disputed XXXX : XXXX XXXX Inquired XXXX XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XX/XX/XXXX according to XX/XX/XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XX/XX/XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Mortgage

The balance on my 3 credit reports do not include any deferred payments due to loan modifications or forebearance nor is this money on my payoff quote nor mortgage billing statement. There is no indication on the billing statement that Hud is a third party servicer that was owed the deffered payments nor is there a contact number to inquire about any Hud transactions. 

Any monies owed to HUD have not been continuously disclosed to me the consumer by Wells Fargo or Hud. 

Furthermore, the loan modification calculations need to be reviewed for any discrepancies. 

In addition, any overdraft fees that were accrued need to be reviewed if there were any errors with these charges.
Product: Debt collection

National Credit ( not the original debtors ) repeatedly calls me over a debt was dismissed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My information was used to open multiple student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX Bankthat Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX Bank and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX Bank account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...