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

I am writing to request that the account charge-off placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification Equifax and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The XXXX Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this car was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address. 
The Co-signee on the accoiunt is NOT RELATED TO ME I do not know him. He is in fact of a different race.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my concern and frustration regarding my initial attempt to remove fraudulent items from my credit report, and the subsequent lack of resolution. 

Upon discovering unauthorized and fraudulent entries on my credit report, I promptly initiated the dispute process by following the procedures outlined by Credit Bureaus. Regrettably, my first attempt to rectify this matter has not yielded the desired results. The fraudulent items persist on my credit report, adversely impacting my creditworthiness and causing undue distress. 

I understand the gravity of addressing cases of fraud and appreciate the need for thorough investigation. However, the delay in resolving this issue has raised serious concerns about the effectiveness and efficiency of the dispute resolution process. As a victim of fraud, I find it disheartening that my credit report continues to reflect inaccurate and unauthorized information. 

I kindly request an immediate and comprehensive review of my case, with a specific focus on expediting the removal of the fraudulent items from my credit report. I have attached copies of the supporting documentation submitted during my initial dispute for your reference. 

Furthermore, I seek transparent and timely communication throughout the resolution process. Regular updates on the progress of the investigation and the actions being taken to address this issue are crucial to maintaining trust in the credit reporting system. 

If the fraudulent items are not promptly removed from my credit report, I may have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I sincerely hope it does not come to that, and we can work together to resolve this issue promptly and amicably. I am asking for your assistance to remove these fraudulent items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

R.E.S.P.A. QUALIFIED WRITTEN REQUEST Dear Sir or Madam : Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 
Specifically, we are disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender/creditor. 
Pursuant to " Subtitle E Mortgage Servicing '' of the " DoddFrank '' Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ), please provide all information requested in the attached QWR ( see attached file ). 
Suntrust Response is invalid and false : " The address XXXX XXXX XXXX XXXX XXXX, CA is NOT and it was NEVER the address for " XXXX ''. Invalid Phone Number. '' XXXX is a DEBT COLLECTOR & a SERVICER. XXXX does NOT ORIGINATE LOANS. 
XXXX XXXX XXXX on Behalf of other investors. 

You should be advised that within FIVE ( 5 ) DAYS you must send us a letter stating that you received this letter. After that time you have THIRTY ( 30 ) DAYS to fully respond as per the time frame mandated by Congress, in " Subtitle 'E ' Mortgage Servicing '' of the ''DoddFrank '' Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ). 

Pursuant to 15 U.S.C. 1641 ( f ) : Please provide the name, address and telephone number of the owner ( s ) of the mortgage and the master servicer of the mortgage. 
You should be advised that Violations of this Section provide for statutory damages of up to {$4000.00} and reasonable legal fees. The amendments also clearly provide that the new notice rules are enforceable by private right of action. 15 USC 1641
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize them and they are causing me great concern.
Product: Credit card or prepaid card

A charge of fraud happened on credit card with my name but wrong birthday information. I called the bank and they opened a claim then they closed it without resolving it saying that they deemed it legit. I told them that the birthday is wrong and it's fraudulent and they told me to contact the credit beuro and the customer. When I contacted them, they told me they can't release information to me and that the bank should contact them. When I told the bank this they said the claim is closed and can not be reopened and that I have to take it up with the credit beuro.
Product: Student loan

Navient acct XXXX reported that I was late 3 times and that is inaccurate because my student loans have been in deferred status and never in repayment status credit reporting needs to be updated to reflect that I was never late
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

API collection agency contacted my parents on XX/XX/2017 demanding that I pay my debt immediately. My parents contacted me and I contacted the agency. They demanded that I pay the debt owed by today XX/XX/2017 or they would be forwarding my case on to the county. The amount owed is {$280.00} and they are stating they can sue me for up to {$3000.00} including court cost and attorney fees. When I asked why I had n't been receiving any mail on this matter they stated they had been sending it. When i requested to what address they stated an old address for me and told me it was my fault that they did not have a current address. They are also accusing me of purposefully defrauding a financial institution. I have paid {$600.00} on this debt to date. They also claim that they are a mediation service, never stating directly that they are trying to collect a debt. They also claim to have recordings of all of our conversations but do not have a phone call monitoring disclosure.
Product: Debt collection

I live in XXXX but previously I was taking care of my Dad who passed away XX/XX/XXXX While taking care of him a debt collection and attorney in XXXX got a garnishment against my wages for a debt that was in XX/XX/XXXX. I was in major car accident and therefore on XXXX. I tried to resolve some debts but lost my home and job due to accident in XX/XX/XXXX. The attorney knows all this but somehow in a state I am not in was able to get the debt legalized and now is coming after me. I am XXXX and my husband is XXXX. I do not live with my husband as we are separated ( not legally ). I was never served court documents and I found out the attorney got the state to sign for my court documents. Why isnt this stuff done here in the state I am in is this legal?? They now have a hold of my bank account ( total is XXXX dollars ) and my lock box which holds personal items what can I do to stop what is happening.
Product: Mortgage

My loan was transferred from XXXX to Statebridge. I have tried to call Statebridge many times with no avail. Statebridge is impossible to get ahold of. I have left several messages, but have only received one call back. I do n't receive correct statements, nor do I receive them on time. They are charging me late fees and my payments are not late. I need help to get this problem resolved. I do n't know how this company can be in the mortgage servicing business.
Product: Mortgage

I am a XXXX XXXX XXXX  vet also the widow of a XXXX XXXX XXXX XXXX  veteran. I financed a home using my VA entitlement through rocket mortgage. 
As a veteran I am able to allow another veteran to assume my home mortgage using their VA entitlement and my entitlement will be restored. My daughter who is also a veteran with great credit and very able to afford the mortgage wants to assume my loan. The mortgage principle is 490k and it appraised for 580K. 
which doesnt really matter because the loan is being assumed as is. It remains the same from one vet to the other. 
Rocket mortgage refused to release my entitlement unless I paid them 26 thousand dollars first. I called the VA and was told that is not the policy of the VA. 
If I try to purchase a different home I will have to pay hundreds of dollars extra monthly for mortgage insurance and put down a large down payment. XXXX says it supports veterans. I certainly dont feel supported.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. They are inaccurate information, and need to be removed immediately from XXXX, Equifax, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$29.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$29.00} XXXX  XXXX Balance : {$740.00} XXXX XXXX Balance : {$720.00} XXXX  XXXX Balance : {$1800.00}
Product: Debt collection

XXXX : Earnings Withholding Order for Taxes, Account Number : SR AP XXXX. 

XXXX. XXXX XXXX of XXXX Account XXXX. SR AP XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX of XXXX Account XXXX. SR AP XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX Recorder Identification Number : XXXX, Filed : XX/XX/XXXX ( {$20000.00} ) ( XXXX XXXX XXXX XXXX. XXXX XXXX Recorder Identification Number : XXXX, Filed : XX/XX/XXXX ( {$20000.00} ) ( XXXX XXXX XXXX
Product: Debt collection

On Tuesday, XX/XX/XXXX, at approximately XXXX XXXX, I received a return call from a number that I called as my spouse stated he received a call on the same day at approximately XXXX XXXX  stating that I was being sued for a loan that I owed and there was still time to stop the attorney from filing charges against me. Additionally, a voicemail message was left stating a summons would be sent to my address and place of employment. 

When I answered the call from XXXX who stated that he was returning a call as he had received several missed calls from this number. I immediately stated that I was attempting to get further information about his company as I do not owe anyone and wanted to ensure this was a legitimate company. If not, I would report the company to the proper authority. XXXX stated it was Executive Credit Card Services and that he did not have time XXXX XXXX XXXX, I could report them to the proper authority and have them call him directly. They will continue to pursue the summons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) name or social security number. Agencies fail to follow guidelines for handling disputes.
Product: Credit reporting or other personal consumer reports

Experian continues to violate my consumer rights. multiple violations per FCRA and the Privacy act of XXXX. Multiples disputes sent starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a recent XX/XX/XXXX disputes were sent and never resolved accurately per 15 USC 1681 ( a ) 2 ( i ).

Request for " investigative consumer report '' have not been provided although its been requested. 

Non-compliant with removals of unauthorized inquires per the Privacy Act of XXXX with over XXXX promotional inquiries causing humiliation, emotional damage/pain and suffering. I've made disputes online, certified mail & by phone. pER 15 usc 1681 PERMISSIBLE PURPOSES TO IMMEDIATELY remove XXXX unauthorized inquiries and the consumer reporting agencies continue to be non-compliant purposely.
Product: Mortgage

Our family was subjected to deceptive, coercive, and in some cases illegal, loan practices by Homie Loans, followed by deceptive, coercive, and threatening behavior by our Homie real estate agent, neither of which had our back, but rather, appeared to be actively working against our best interest. 
The loan process was beset by confusing XXXX game tactics, errors, and untruths. Even worse, our loan disclosures were given to us too late to rectify. In other words, it was sign or else. No one likes to be coerced or threatened. 
In the case of the original disclosures, they were provided a full 5 days after our loan contingency had expired. In other words, we only got to see preliminary numbers after it was too late to rectify them. 
We didnt receive our final disclosure until 4 days after our closing date. That is XXXX XXXX XXXX XXXXXXXX  timing. 
Instead of working to rectify our many issues, Homie Real estate threatened us with an action that was forbidden in the contract, and then offered us increasing amounts of money outside of escrow, a practice that we believe to be illegal, unethical, and immoral. 
Homie also actively put our XXXX money at risk, allowing or facilitating our money to be moved from a safe XXXX party escrow account into a Sellers brokerage account. 
All of these actions, and many more not included in this report for brevity, caused us to lose the house that we had selected for our family and suffer a catastrophic loss of our XXXX money, an amount totaling {$7000.00}. This has caused stress in our marriage, sleepless nights, a period with no home, and the inability to purchase another home because of the loss of our XXXX money. In addition, it has caused numerous man-hours in creating this and other reports for review by various legal and regulatory bodies. In short, this event was catastrophic for my family at a time when we are already under duress from countless other outside forces.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect item on my credit report, it has been over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to a car lot to get a auto loan. Six different companies ran my credit report one company ran it there times in two days. This all happen on XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX ( 2nd inquire ) XXXX XXXX XXXX inquired on XX/XX/XXXX ( 3rd inquire ) XXXX inquired on XX/XX/XXXX all of these are hard inquiries on my XXXX credit report.. I made it very clear I wanted the auto loan to be financed through XXXX XXXX XXXX but I did not give permission for them to run my credit three different times
Product: Credit reporting or other personal consumer reports

This morning, I was completely shocked to see incorrect accounts appear on my credit report for no reason. I check my report regularly, and this time there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but that didnt helpthe inaccurate accounts were still there. Because of this, I need the documents I sent to be reviewed closely so that I never have to deal with this kind of issue again.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against the Experian, XXXX, and XXXX for their repeated failure to provide accurate and fair reporting of my credit information, in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated efforts to address these errors, the credit bureaus have continued to report inaccurate, outdated, and misleading information on my credit report. Specifically : 1. Upon attempting to access their website, my credit report displays a blank entry. Additionally, third-party credit report sites indicate inquiries regarding disputed fraud. Furthermore, I have requested the removal of addresses and phone numbers that are not associated with me, yet they persist appearing on third-party sites. Notably, student discharges are still reflected on these sites.

2. I have contacted their customer service by phone multiple times. I fax and mailed information they said was required.

3. I been getting denied for credit cards and loans I need to start my business and improve my life.

It is apparent that the credit bureaus are failing to fulfill their legal obligations under the FCRA to investigate disputes thoroughly and correct inaccuracies in a timely manner. This neglect has severely impacted my financial standing and reputation.

I demand immediate action to resolve this matter, including : 1. A complete investigation of the disputed information with all relevant creditors or furnishers.

2. The removal of inaccurate information from my credit report.

3. Confirmation of the corrective actions taken, along with an updated copy of my credit report.

4. My credit report shouldn't be Blank when lenders run my credit and shouldn't show blank when I'm accessing their website. My credit report be updated to the most accurate scores If this issue is not resolved promptly, I will explore all available legal remedies, including but not limited to filing a formal complaint with the Federal Trade Commission ( FTC ), seeking legal counsel, and pursuing damages.

I expect a written acknowledgment of this complaint within the timeframe mandated by law and immediate action to resolve the inaccuracies. 

Attached, you will find supporting documentation, including copies of prior dispute correspondence, proof of identity, and evidence demonstrating the errors in my report. 

Failure to resolve this issue in a timely and satisfactory manner will leave me with no choice but to escalate this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency with original creditor is not reporting. Collection accounts should not have any one month terms. Account reporting 120 days late, can not update lates on a monthly basis. XXXX and XXXX are reporting the same account on my credit report. I did not sign any agreements or terms with a data factoring company. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. XXXX has been deleted from my spouse 's XXXX account. I have attached documents for this account.
Product: Credit reporting or other personal consumer reports

The 3 major credit bureaus are currently reporting accounts on my credit that are fraud. Here is a list of the items in question XXXX  filed XX/XX/XXXX XXXX {$15000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$60000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$18000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX {$18000.00} XXXX XXXX XX/XX/XXXX XXXX {$7600.00} Please remove these items, for they are injurious to my credit history. Thank you
Product: Debt collection

No attempt was made from XXXX XXXX XXXX to communicate a bill was due before they sent it to debt collections. I am on XXXX XXXX military and am not at the physical location to receive mail at the address they have on record.