23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Re : erroneous item XXXX XXXX XXXX # XXXX reported by your firm to XXXX . I  have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. XXXX XXXX XXXX has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. XXXX XXXX XXXX has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these collection items showing on my credit report before but then they keep reappearing. XXXX  is showing 2 collections items on my credit report, NEITHER of them are mine or related to me. 
Prior Dispute Report # XXXX XXXX XXXX XXXX XXXX acct XXXX for XXXX- XXXX XX/XX/XXXX & XX/XX/XXXX Prior Dispute Report # XXXX XXXX. XXXX XXXX # XXXX I have never lived in California XXXX nor applied for or have had any interactions with these companies. I have also been a victim of ID Theft in the past which I informed XXXX of in my initial dispute. 
I tried contacting the above companies with the information provided on my Credit Report however they want my personal information. Since this is already an error I do not trust giving my personal information to a company I have no dealing with. 

I take pride in my credit and these items are not mine & want them removed. I also want a credit lock/block on my account going forward.
Product: Checking or savings account

In XXXX XXXX I found unauthorized transactions to XXXX XXXX from our Huntington Bank checking account that were paid in addition to our authorized payments in XXXX XXXX. The withdrawals appeared to begin in XXXX. I contacted XXXX XXXX and was informed that they just follow customer 's requests and did not bother to make sure the appropriate account was debited. I then contacted Huntington Bank customer services and was given the same response. So, I created reports from XXXX and Huntington to prove that the second transactions were fraudulent, not paid to our XXXX account and spoke with a branch representative in mid-XXXX. He completed a bank form, I signed it and attached to the bank form. After not receiving information after almost 3 weeks, I contacted the branch and the representative apologized and promised to follow up. He called back a couple days later and explained that the request had not been addressed, and promised to get it to processing. After another 3 weeks I called again, received no response until another 3 weeks later I received a letter that totally ignored the issue and stated that XXXX stated that we had authorized the auto payments upon opening the account. However, our authorization was related to payments for OUR bills, not some thief that stole our account number.
Product: Debt collection

Someone opened a US Bank credit card in my name without my knowledge. Ive contacted US bank and issued them a copy of My ID theft police report and FTC report and they still refuse to remove the account from my credit file or accept the fact that it is a Fraudulent account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX ( Bank ) XX/XX/year>. 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending written correspondence to XXXX and Equifax regarding an account from XXXX from XXXX since XXXX of this year and have made zero progress.

The account is reporting inaccurate and incomplete information. Additionally, there is a serious timeliness concern with this antiquated account. 

I understand that Equifax has been plagued by the additional burdens of being under Federal Investigation due to false reporting. I am not sure why XXXX has not provided any clarity on the situation or the requested proof or documentation to support the inaccurate and untimely information that is being reported.
Product: Debt collection

Delete this account from my credit report.

15 U.S. Code 6802.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit card or prepaid card

I went to XXXX XXXX in XXXX applied for the store card, and was given a credit limit of {$500.00}, I made a purchase that day {$75.00} & was waiting for my store card in the mail, I hadnt received it yet after several weeks so I called & had XXXX XXXX confirm address which was incorrect & they had sent the cc there. I asked that card be canceled & new one issued. After that I finally received my card & making monthly payments every time I tried to use my card it was declined. Long story short, I have not been able to card purchases so I called XXXX  XXXX customer service & they said I had no restrictions, I was never able to use the card to this day ( present day XXXX ). Any purchase I make at XXXX  XXXX is in cash. I make monthly payments & Comenity Bank & I have spoke with them & they are very rude ( customer service ) I have had my XXXX  XXXX card for more than 2 years to date, my balance is over {$300.00} balance. How can I have a high balance like that if I cant use the card, I pay monthly & Comenity Bank tells me, when I speak them that I dont make payments. I know XXXX XXXX is going out of business too. This unfair to me I have been paying for my card & I cant even use it, for many years. I have an example that something isnt going right, before the Pandemic hit I paid XXXX minimum payment & on my bill reflected on my due date I paid it on time & a late fee was charged, I called Customer service @ Comenity Bank told me I was suppose to pay Double that. I hope someone can help me thank you
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX, and XXXX XXXX were all included in a bankruptcy in 2021. The Ohio bankruptcy Trustee granted the bankruptcy including all of those accounts, and they are still reporting and lingering on my credit. With the bankruptcy granted these companies should have stopped reporting and removed themselves and any lingering bad marks on my credit report. Which is why I am filing a fraudulent case against these companies
Product: Mortgage

We purchased our home with cash in XX/XX/2012. After moving in, we discovered that the plumbing in XXXX of the bathrooms required immediate repairs. As we had used all of our savings to buy the property, we needed to get a home equity loan to make the repairs. We did not have any credit so we were forced to get a loan from a private lender at exorbitant interest rates. As first time buyers, we were not aware of the fact that we needed representation at the signing, nor were we made aware of the transferring of the loan to another company before we signed. We have tried to get the interest rate lowered to no avail, so at this point we are trying to find some solution for this anchor around our necks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
XXXX XXXX  - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXXXXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX / XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and have worked with all the reporting agencies and creditors to resolve these issues. I have been making progress in getting the proof to the creditors and credit agencies to resolve the issue with the XXXX. Equifax has been presented with all the evidence the other reporting agencies were and has still yet to address the issue. Furthermore, after knowing there was a fraud alert on my credit report, Equifax has allowed the following inquiries into my credit report without an investigation after numerous attempts to remove these inaccurate inquiries have gone unresponded too XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX .. on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/XXXX a fraudulent withdrawal occurred against my business checking account. I contacted Wells Fargo to open a check fraud claim # XXXX involving an eight-year-old " lost '' check # XXXX in the amount of {$2100.00} issued on XX/XX/XXXX, personally endorsed by XXXX XXXX, XXXX and presented for payment through a XXXX ATM on XX/XX/XXXX. Despite my instructions to immediately stop payment on the check due to its stale status, the check was honored by Wells Fargo. The bank 's negligence allowed for XXXX XXXX, XXXX defrauding of the company during the pandemic imposed by COVID-19. Moreover, as this was done during a time when the company was required, under the State of New Jersey to close its doors as a non-essential business. This fraudulent deposit was intentionally done during this time when the office was closed due to COVID-19. The investigator assigned to the claim ( XXXX XXXX ) took the liberty to close the investigation within days without regard to my request to be contacted about this matter. She determined that this matter should be handled between the parties. After several attempts to contact the investigator, she finally returned my call advising me of her irreversible decision. I explained that this check was claimed " lost '' by XXXX XXXX in XXXX and that severing the business relationship with her involved attorneys, who ensured that all funds between the parties were settled at that time. She advised me to hire an attorney again to recoup the funds, clearly aware of the fact that retaining counsel would exceed the value of the check. Wells Fargo is in breach of fiduciary with costumers not only by placing the accounts at risk due to negligence but also for their failure to ensure that adequate and fair support is available to their loyal costumers. The claim was escalated to the executive level on XX/XX/XXXX and awaiting resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  transferred ownership of my Home Equity Loan to XXXX XXXX XXXX ( XXXX ) effective XX/XX/XXXX. I have always paid this loan on time. However, XXXX  has now reported a payment delinquent over 30 days to Experian, XXXX, and XXXX. XXXX  made these reports and knew that their records were incorrect. XXXX  claims that the XX/XX/XXXX payment is in question. XXXX has attempted to confirm that I made the XX/XX/XXXX payment to XXXX XXXX XXXX  before they started servicing the loan. I have sent XXXX  documentation ( bank statement ) that clearly shows that the payment was made. I have had several conversations with SLS without any resolution or any concern that they are negligently damaging my credit report. Even with full knowledge and documentation, XXXX has reported that my XX/XX/XXXX payment was over 30 days late because they are showing me constantly late. I filed a dispute with Experian, but XXXX apparently still claims that my payments were late. I am attaching several letters from XXXX XXXX XXXX  and XXXX concerning the transfer of ownership, the XXXX online record of my payment history with them ( notice how incorrect it is ), and 18 months of bank statements documenting my payments on this mortgage. My credit score with Experian alone has dropped from XXXX to XXXX as a result of their negligent actions. XXXX  is knowingly and willingly reporting me as having made a late payment because they have an unresolved dispute with XXXX XXXX XXXX. That is a problem XXXX has with XXXX XXXX XXXX, not me. XXXX  should not be permitted to make such reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email about my information being in the Equifax data breach so I pulled my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The incorrect addresses are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX and XXXX XXXXXXXX XXXX XXXX, NY XXXX. 





The incorrect name is : XXXX XXXX XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

My Mortgage was sold twice in 1 month. It was first sold to RoundPoint acct. # XXXX and secondly to XXXX XXXX acct. # XXXX. Both expected payment on XX/XX/XXXX. 

Payment was mailed on XX/XX/XXXX for due date XX/XX/XXXX to Roundpoint as required and in compliance with my resposnibilities as a mortgagee. This check was cashed. 

XXXX began collection efforts on XX/XX/XXXX, see Consumer Financial Protection Bureau complaint # XXXX. 

RoundPoint has yet to forward the XX/XX/XXXX payment to XXXX. This is over 30 days. 

I am asking for confirmation that RoundPoint has made payment as required for the XX/XX/XXXX mortgage payment. Both companies are not entitled to the same payment. This is a problem between the two companies and not the consumer.
Product: Vehicle loan or lease

The car has been paid off for a few years and it's still on my credit report
Product: Credit reporting or other personal consumer reports

I would like for XXXX XXXX, Equifax, XXXX, and any other company that has my information that Is violating my rights to cease and decease my credit report
Product: Credit card or prepaid card

From- XXXX XXXX XXXX , for Dispute Case # XXXX XXXX XXXX ( Money Network ) Thank You in advance for help. 
I received a EIP Stimulus payment of XXXX on a Visa. Went shopping and could not locate card. 
Gave it a day to see if card by chance turned up. Still no card. So I immediately called XXXX XXXX  Customer Service and reported card lost. Also asked for a duplicate at this same time. 9 days later received card and checked balance. Very bad news/only XXXX Someone got a hold of my card and fraudulently charged XXXX at various stores. I never gave permission to anyone at anytime for card use. 
I immediately called XXXX and reported now stolen of course. Also made Police Report same day. 
I've done everything by the book meaning all time restraints given as well constant contact. 
They have by accident or maliciously given me wrong application info, etc. so as to create a better outcome for them. 
I am XXXX on very little income and have already spent roughly {$50.00} on mailings and Faxes dealing with them. Please help me, Respectfully Submitted, XXXX XXXX XXXX * Feel free to call anytime if needed for questions ( XXXX ) -XXXX
Product: Debt collection

Hello-I am in the process of obtaining a mortgage. The credit card debt was paid in XX/XX/XXXX through a wage garnishment but the attorney ( Morgan and Associates XXXX XXXX XXXX XXXX OK XXXX ) has not provided me a Satisfaction of Judgement to me after my request in XXXX XXXX nor provided the XXXX XXXX MO Court System a release of debt. I am in danger of losing this mortgage due to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}.
Product: Credit reporting or other personal consumer reports

I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In noticed a XXXX XXXX XXXX XXXX XXXX I have no idea why this is being listed on my report and it should be removed. I recently investigated this with XXXX XXXX and I sent in the results stating that it was removed below.
Product: Checking or savings account

Hello, I'm reaching out because td bank sent me an email that was titled " XXXX, Redeem your {$200.00} today! '' so i obviously opened the email to try redeeming the {$200.00} the email clearly said i received, but to my surprise, the email is actually about how someone can receive a {$200.00} bonus if they open a savings account, deposit {$10000.00} into it, and wait XXXX  days. What I'm saying is this, Td bank did false advertising, because the title says " redeem '' meaning I'm already qualified for the payment and simply need to receive it, and the email also said i could get it today, yet the email says i have to wait at least XXXX  days.
Product: Debt collection

Robo phone message. Called back phone number supplied and no one answered. Have been receiving these calls 4 times a day. When I answer the phone no one is on the line. They continue to tie up my phone line for several minutes with no one answering. 
I do not know who Vital Recovery is and have no outstanding debts to anyone. 
Their number supplied to me was XXXX. This has been going on for several months now.