23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES XXXX XXXX. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for XXXX XXXX, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in XXXX XXXXXXXX highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States XXXX Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in XXXX XXXX highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report to see accounts that were fraudulent, and are reporting to my credit report as if they are mines. I reached out to XXXX, they placed a fraud alert on my report and stated that they would get them removed haven't seen any improvement, Equifax has inquiries and accounts that aren't mines as stated on my identity theft report like XXXX, XXXX XXXX, and XXXX XXXX, and 3 hard inquiries that I didn't inquire about. XXXX  has the same info reporting to their bureau as well.
Product: Debt collection

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have tried for 10 months to collect XXXX dollars in fees that transferred over from my prior servicer StateBridge Company. I have been disputing these charges for 8-9 months. XXXX XXXX XXXX had knowledge that the fees were incorrect but chose to still try to pursue collecting them from me, even going as far as sending a demand that I pay them or risk losing my home. It has finally been determined that the fees are invalid, but XXXX XXXX XXXX has not removed them from my balance and now are blocking the sell of my home to another buyer because I disputed the fees. Below is their correspondence. ********************************************** From : XXXX, XXXX XXXX : ( XXXX ) Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX ' Cc : XXXX ; XXXX XXXX ( XXXX ) Subject : RE : Corp Advance Fees XXXX  XXXX FW : Loan Fees ( ID : XXXX - Loan : XXXX - Perf ) - Contract Documents ****************************** XXXX , I am not reneging on an agreememt. STATEBRIDGE AND XXXX NEED TO ADVISE WHAT THE CORRECT PAYOFF IS PERIOD> YOU TRYING TO FORCE THESE FEES ON ME AND BLOCK THE SALE OF THE HOME IS ILLEGAL AND FRAUDULENT. 
************************************* From : XXXX XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX : ( XXXX ) Subject : Re : Corp Advance Fees XXXXt XXXX FW : Loan Fees ( ID : XXXX - Loan : XXXX - Perf ) - Contract Documents XXXX XXXX, Statebridge is incorrect in their assessment. The corporate advances totalled over $ 5k but your charges were not that much. Your charges include tax advances, penalties associated with the taxes, and other misc fees. Obviously those are collectible. 

We discussed this and you agreed to accept those fees if I assisted you with the sale. Now you are trying to reneg on our agreement. 

Well if you are backing out on your agreement then you need to read your contract closely. Under the contract, it says we do not have to execute a deed until AFTER receiving the payoff. 

So therefore, we are not giving your title company a deed prior to your closing. Send us a full payoff first. THEN we will send you a deed. 

Second, I am referring this to our attorney today since you are seriously delinquent and failed to cure the default letters we sent you. We will be adding attorneys fees to the payoff while we review the corporate advances line by line to make sure they are accurate and remove any that arent. 

Regards, XXXX XXXX XXXX On XX/XX/XXXX, at XXXXXXXX XXXX, XXXX, XXXX XXXX : ( XXXX ) XXXX wrote : Mr. XXXX, XXXX XXXX has confirmed that the corp advance fees that were transferred earlier in the year are invalid. They told me XXXX did not immediately respond but contacted the XX/XX/XXXX advising they would address the issue. As of today, they have not. Please see the chain below and email attached with my communications to the lender and statebridge. Please advise on how we can get this resolved. 

Also, we are scheduled to close this week and we need a payoff asap. Because this is the third time we have tried to close I need my balance correctly reflected per my attorney should closing not commence.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION. 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 under 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. I am trying to by my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 file a complaint regarding the compromising of my Social Security number, which has led to identity theft and unauthorized entries on my credit report. I have already filed a report with the Federal Trade Commission ( FTC ), a copy of which is attached for your reference. 

Details of the Complaint FTC Report Reference Number : XXXX Unauthorized Accounts and Inquiries : XXXX Card account ending in XXXX has been reported without my authorization. This constitutes a violation of 15 U.S. Code 1681b, as I did not provide written instructions for this information to be included in my consumer report. I request immediate removal of this account. 
XXXX Card - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has also been reported without my consent, violating 15 U.S. Code 1681b. I demand that this account be removed from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been included in my credit report without my permission. This is another instance of non-compliance with 15 U.S. Code 1681b, and I request its removal. 
XXXX XXXX XXXX - XX/XX/year> There is a XXXX XXXX inquiry dated XX/XX/year> on my credit report that was made without my consent as part of identity theft. Please remove this inquiry and provide me with any documentation you have regarding this account to assist in my investigation. 
Legal Violations The unauthorized reporting and inquiries listed above have caused significant harm to my credit report and personal well-being. The following legal violations have occurred : Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation of 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation of 15 U.S. Code 1681i ( 7 ) - Method of verification Violation of 15 U.S. Code 1681a ( 4 ) - Right to privacy Violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I request the immediate blocking and removal of all unauthorized information from my credit report as stipulated under 15 U.S. Code 1681c-2 ( c ) ( a ). I expect a response within the mandated 4 business days upon receipt of this complaint. Please provide me with an updated copy of my credit report reflecting these changes.

I am seeking urgent resolution to this matter and demand compliance with federal law. Should you fail to address these violations satisfactorily, I will pursue legal action for damages amounting to {$1000.00} per violation as per 15 U.S. Code 1692k.

Thank you for your prompt attention to this critical issue.
Product: Debt collection

Enhanced Recovery Debt collector re-aged a debt that had been placed over 8 years ago and lists it as new. XXXX rejected the complaint.
Product: Student loan

My name is XXXX XXXX and I attended XXXX XXXX in XXXX WA XXXX XXXX,2009. I took classes for XXXX XXXX. Could n't even tell you who the teacher was because we did n't have a stable one. I remember even attending on a day and no teacher was there at all. They would have another teacher from another department come and check on us. Ca n't remember much of what I learned because we really were n't shown much. Well go figure we did n't have a teacher. Crazy that all that money they want but ca n't even teach you nothing. Yea I got a book and basically tried to go over it myself and I feel like my grades were n't even real. We could just get to class sign in and leave. It 's like we were really just given a grade because we showed up. After I finished class, time for my externship which I had to find a site on my own??? which I NEVER FOUND. I went back daily trying to get help finding a site and they just brushed me off ... I was then told I had to re enroll in order to refresh because I could n't find an extern site, I THEN HAD TO TAKE OUT another loan which I regret. I hate that I now have to pay back {$13000.00} for what? Not to even be working in this field. I took this route because hey 9 months did n't sound too bad for a single mom.
Product: Credit reporting 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 XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing 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.

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

my mom took out loan against house to pay bills ( XXXX ), she passed away in XXXX, never missed or was late with payment, house quick deed to XXXX sons XXXX daughters, XXXX mortgage company ( XXXX ) which has since filed bamkrupcy and sold mortgae raised monthly payment from XXXX to XXXX, made some payments for that amount then my girlfriend got XXXX had to miss alot of work, tried several times to work out something, XXXX dragged it out till XX/XX/XXXX even agreeing to modification in XX/XX/XXXX, i made 3 payments of agreement all on time, XXXX XXXX XXXX, after payments recieved XXXX negated loan agreement and wanted payments of XXXX per month, tried several times to resolve with them, then sold mortgage to shellpoint XX/XX/XXXX, shellpoint will not work with me or give me any information scheduled foreclosure sale XX/XX/XXXX, i have no way to defend, can i get any help?
Product: Credit reporting, credit repair services, or other personal consumer reports

i obtained a copy of my current credit report and noticed inquires that i did not authorize and had no knowledge of
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

My wife and I got XXXX XXXX  with XXXX in the fall of 2021 and were late on a mortgage payment. My wife is a XXXX XXXX and took months to recover. We were too ill to contact the mortgage company and had a late payment. We notified our loan provider LoanCare in XXXX XXXX XXXX  XXXX and asked that they remove from our credit report. We sent XXXX results XXXX XXXX XXXX but they DO NOT CARE. We never had a mortgage issue with them before this and are current on our mortgage. Cant imagine how awful they are if you are truly struggling. They did nothing to work with us over a simple matter. I called them multiple times to no avail and the decision makers will never talk to you directly. 

Now due to this matter I can not get lending and may lose {$50000.00} in deposit. 

This should not be this difficult to resolve. Banks need more government oversight because without it they are just predictors praying on any weakness.
Product: Debt collection

RGS Financial are calling me nonstop to collect on a debt that i do not recall having with this company.I demand that they cease and desist all attempts to collect the debt.
Product: Mortgage

I have missed XXXX, XXXX, XX/XX/2022 payments and I had applied for the Wisconsin help for homeowners program in XX/XX/2022. On XX/XX/2022 a payment was made in the amount of {$8000.00} to Mr Cooper haf from whh program. To this day Mr Cooper is denying the payment occurred. I have contacted the XXXX XXXX XXXX  consultant XXXX  XXXX, the director of the Wisconsin help for homeowners program XXXX. The government of Wisconsin treasury. All have said the payment was made. Also they notified me that these payments are made in batches and that they have had problems with Mr Cooper with many other peoples accounts from XXXX.
Product: Credit reporting or other personal consumer reports

XXXX. CFPB Complaint Against Equifax Filing Date : XXXX Dispute Filed Date : XX/XX/ Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XX/XX/, I filed a dispute with Equifax regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, Equifax processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from Equifax was unsatisfactory, vague, and did not address the specific questions I raised. 
Equifax Response : Equifax used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, Equifax stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY XXXX  EQUIFAX MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and Equifax provided a generic response about their standard procedures rather than directly answering the questions I posed.
Product: Credit card or prepaid card

I am respectfully requesting your assistance with my Capital One MasterCard account, because since contacting your agency for help previously about other issues with them, Capital One has decided once again to act in bad faith using totally unethical and unscrupulous business practices and tactics to defraud deceive and take advantage of customers that are struggling financially to pay there bills. Capital One never informed me of there intent to give me the royal shaft and raise my annual percentage rate. My APR went from 23.99 % in XXXX, 2022 to 24.24 % in XXXX, 2022 and 25.49 % in XXXX, 2022. When will Capital One be called out and legal action commenced against them for taking advantage of and ripping off unsuspecting customers? I am respectfully requesting your assistance with this urgent matter.
Product: Debt collection

In XX/XX/2018, I called XXXX XXXX XXXX XXXX about a reoccurring water leak from the upstairs bathroom. That same week I was given a 60 day notice to vacate the property. I moved out XXXX XXXX, paid all rents. XX/XX/2018, I received a letter and a stack of invoices for, new carpet, paint, linoleum, yard clean up, pluming totaling, XXXX. I had lived at the property for 9 years. Then I found out I had XXXX XXXX. I had XXXX and later received a bill from Pacific Credit services a collection agency in XXXX ca. I went to a mediator in XXXX Ca and XXXX XXXX told them that I caused too much damage, XXXX XXXX refused to talk to me. I am being sued for XXXX in Superior court. I answered the summons and Pacific Credit services sent me a copy of a request to the court to enter an entry of default and a court judgement against me. 
I feel that this is fraudulent collections and legal procedures