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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Experians failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The inaccurate accounts are as follows For XXXX XXXX I am asking you to investigate due to the fact I can not rent a apartment/ get a loan/ or live as comfortably as I am supposed to due to the inaccuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Debt collection

A debt was listed on my credit report that I did not recognize. It is from the collection agency, Southwest Recovery Services. They claim that someone using my name and information applied for credit at XXXX XXXX XXXX XXXX XXXX XXXX in Texas on XX/XX/XXXX According to the credit report, the amount owed is {$1400.00}. I did not open this account. I live in Oklahoma. On XX/XX/XXXX XXXX I was XXXX XXXX at XXXX XXXX XXXX in XXXX, OK. I couldn't have been in Texas to open this account. I have NO email verification from this company, and I haven't received any mail regarding this debt to date. 
I have tried to contact Southwest Recovery Services to discuss this, but my calls go straight to voicemail. I left my contact information on voicemail, and they haven't returned my calls. 
I have contacted XXXX and XXXX to report my stolen identity. XXXX recommended that I report this at FTC.gov.
Product: Debt collection

I have a debt with 21st Mortgage Corporation that is a voluntary repossession. It was for a mobile home but was never connected to any type of land. I do agree that it should be a voluntary repossession but it should not be coded as a mortgage account, rather as an installment account. Since it is coded as a mortgage account it is showing up as a foreclosure on my credit report. It is incorrect and a FCRA violation. It is also showing up as mortgage late payments, but shouldn't since it was never a mortgage.
Product: Debt collection

Dear Sir/Madam, its about reporting a collection on account of XXXX XXXX. few of documents are attached here with for your ready reference. 

i was resident of one of the apartment in XXXX XXXX. when i got the apartment, the price etc. was different & when they started billing me, that got changed. 

i was having a complaint of over charging, i talked to management & there was no resolve. 

on my regular follow up & arguments, Management had asked me to vacate the apartment & few days latter i got a eviction notice. 

i was asked to vacate that house means who brake the lease, not me but the management. 

i asked them to share the details of, XXXX Billing ( Normally XXXX  Charge Trash in their Bills ) Management  is charging is separate. 
Water Billing Trash etc. 

they dont have any supporting documents to support the billed amounts. 
its very high if you compare with other apartments. 

when i vacate the house, they had reported the XXXX XXXX on my credit. 
i already had spoked with XXXX XXXX, no response, XXXX XXXX Name : The Phoenix Recovery Group XXXX-office XXXX-fax XXXX if you review the attached bills, they charge it with no further details. 
XXXX SWAS Trash these bills must have separate supports. 
i was asked to vacate the house, who break the lease. its no me. 

Pls. help to resolve the issue & make sure management is not charging this to all residents. 

Best Regards,
Product: Money transfer, virtual currency, or money service

Refund from taxes, back pay child tax credit, and back pay stimulus funds was deposited in my cash app account, where as my card was stolen, my phone number and email address was unlinked from the account, even my PIN number was changed without my permission. I tried requesting a new card and access to my account, cash app denying me access and wont explain whats going on due to security reasons. Im not sure if its because of the amount that was deposited.
Product: Debt collection

The company convergent is trying to collect debt from me when I all ready paid the account off.
Product: Credit reporting

On my transunion report ( through XXXX " the folllowing information is showing incorrect : - XXXX mortgage ( open with XXXX missing payment ), it needs to show " closed with zero missing payments - XXXX should show closed Please Transunion correct this information
Product: Credit reporting or other personal consumer reports

Pertaining to complaint # XXXX All three bureaus are resolving only one aspect of my demands. Appreciate the deletions, yet the timelines in with the FCRA expresses, are not of 60 day thresholds. I would like to enhance my credit standing in a timely manner. 


Please refer to XXXX see attachments Complaints filed, regarding XXXX and XXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Accounts came back verified! Never received information on how that happened or steps that was taken. Theres missing payment dates, account numbers esc
Product: Debt collection

everytime i contacted c collection companies they did not have any of my info ( ss #, date of birth ) or anything. never could find the the accounts yet they keep reporting these items to my credit report
Product: Credit reporting or other personal consumer reports

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under
Product: Credit reporting or other personal consumer reports

I disputed multiple issues on my credit report that was incorrect and there was no resolution.
Product: Debt collection

I have a problem with multiple collections held and reported by Child Support Enforcement, even though I have provided proof of dismissal by a judge. 
The documents have been sent by myself to the top 3 CRA 's and I have petitioned XXXX numerous times beyond measure to update their database on me. All queries have gone unanswered and unverified. This is to the point of harassment as it affects my life in a financial nature. 

I am current on all payments and the amounts reported by XXXX that are inaccurate must be removed from my file and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I called my mortgage company ( united wholesale mortgage ) on XX/XX/XXXX about removing my PMI ( Private Mortgage Insurance ). I was transferred to the PMI department and never got an answer from anyone in the PMI department, I was told that someone will call me back later but I never received a callback. Then on XX/XX/XXXX XXXX am CT I had a chance to speak with XXXX about removing my PMI and I was told I could not remove my PMI even though I have over 20 % equity in my home. I closed on XX/XX/XXXX, at {$250000.00} and now my home equity has increased to {$340000.00} a year to date currently. I have never been late on payments or missed payments on my account. From my understanding, these are qualifications to have your PMI removed from your mortgage. Thank you for your help.
Product: Mortgage

Subject : Financial Impact and mental stress due to Mortgage Closing process of Fifth Third bank This is regarding closing my new house with Fifth Third Bank on XX/XX/2022. 
Loan number has not been generated yet. File # XXXX Summary of Events with Dates. Email Evidence for proof attached XX/XX/2022 : Extended rate lock with Fifth Third for 6 months with expected home delivery of XX/XX/2022 Paid 0.5 % of loan as extended rate lock fee + XXXX application fee XX/XX/2022 : Builder informed house wont be ready till XX/XX/2022 1st week. Informed Fifth Third XX/XX/2022 : The builder provided a closing Date of XX/XX/2022 with a Home Orientation date of XX/XX/XXXX and a Home delivery date of XX/XX/XXXX. Informed Fifth Third Bank. 
Fifth Third bank rep notified 0.125 % extension points will be charged for every week of extension beyond XX/XX/XXXX. Based on XX/XX/XXXX closing date, that would be 0.125 % * 3 for3 weeks of extension to cover till XX/XX/XXXX. 
XX/XX/2022 : Continuous feedback was done by me to Fifth Third on various milestones done in XXXX Home inspection completed on XX/XX/XXXX with minor issues Home Orientation completion on XX/XX/XXXX was updated. 
Final Closing Disclosures were not provided till the morning of XX/XX/XXXX. At this point, Fifth Third mentioned that XX/XX/XXXX date can not be met since the appraisal came in late. 

It was Fifth Thirds responsibility to understand the timelines of Third Party appraisers they work with and order appraisals on time to meet the closing date. 

The closing date was moved deliberately to XX/XX/XXXX and one extra week of extension fees was again charged by Bank for incompetence by Bank to meet dates that were given more than a month in advance. 
They still did not meet that date and moved to XX/XX/XXXX morning and then XX/XX/XXXX afternoon. 

This resulted in XXXX + dollars in extension fees and builders charge of an additional XXXX for 7 days of delay in closing ( XXXX $ per day ) Closing to XXXX $ extra for closing to customer without a single fault of Customer in addition to causing mental stress of gathering extra money to close at last moment that was set aside for purchasing stuff for new house
Product: Credit reporting or other personal consumer reports

By XXXX XXXX XXXX XXXX XXXX ( Including XXXX XXXX ) : 1. Fraud ( Texas Penal Code 32.46 - Securing Execution of Document by Deception ) : If XXXX, XXXX, and others misrepresented themselves or the transaction to deceive you into signing agreements or transferring money, they may have committed fraud. 
2. Theft ( Texas Penal Code 31.03 ) : If XXXX or the repairman intentionally deprived you of the car without your consent and failed to return it, this qualifies as theft. 
3. Deceptive Trade Practices ( Texas Business and Commerce Code Chapter 17 - DTPA ) : Misrepresentation of the vehicles sale terms or failure to disclose key facts during the transaction can violate consumer protection laws.

4. Conspiracy to Commit Fraud ( Texas Penal Code 15.02 ) : If there was a coordinated effort to deceive you for financial gain, this could constitute conspiracy. 
5. Unauthorized Sale or Use of a Vehicle ( Texas Penal Code 31.04 ) : Selling or rebuilding your vehicle without your consent is illegal. 

By XXXX XXXX XXXX : 1. Fraudulent Repossession ( Utah and Texas Laws ) : Claiming the vehicle was repossessed when it was not, and reselling it without your consent, violates repossession and consumer credit laws. 
2. Unfair Debt Collection Practices ( Federal and State Laws ) : Misreporting a charge-off on your credit report when the vehicle was stolen, not repossessed, could violate the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

3. Conversion ( Civil Violation ) : If the car was sold without your consent or authorization, this constitutes conversiona civil wrong involving unauthorized use or disposal of someone elses property. 
4. Breach of Contract : If you had a valid financing agreement with XXXX XXXX XXXX, any unauthorized actions, such as repossession or resale, may be a breach of contract.

5. Consumer Credit Fraud ( Texas Finance Code 392 ) : Filing inaccurate reports to credit agencies or charging off a debt without proper cause violates credit reporting laws.

Two paycheck stubs used with my name to illegally obtain this loan without my consent or knowledge and XXXX XXXX knows this.
Product: Checking or savings account

On XX/XX/2021, I transferred {$5000.00} from an account I had at BBVA to an account I have at XXXX Bank. On XX/XX/2021, I transferred another {$5000.00} from the BBVA account to the XXXX Bank account. Only XXXX  of the transfers came through. PNC subsequently purchased BBVA and is refusing to find the missing money and return it to me. My bank statements from BBVA prove that XXXX transfers were made. My bank statements at XXXX Bank prove only XXXX transfer arrived. My personal banker at XXXX Bank looked into it and only saw XXXX transfer. PNC agreed to send me the tracing number but did not. And now, they are saying because more than 6 months is passed they are not obligated to return my money. All I am asking is for the return of what is legally mine and there is sufficient evidence to show that XXXX transfer was lost. They won't even research it because my guess is that they can't since it was BBVA. But they purchased BBVA, which makes them liable. I need help to get my money back.
Product: Credit card or prepaid card

Hello, My name is XXXX, I have been a discover card member for several years. During my years with discover I had several financial struggles which led to the misuse of my credit card. I recently graduated from college in XX/XX/XXXX, and I paid off my remaining balance as soon as I got a stable job. I am writing this letter to ask if it would be possible to remove the two 30 day missed payments in XXXX and XX/XX/XXXX that I acquired during my time with discover. My goal was to pay off this card and I did. I would really like it if you could remove these two late payments. I am currently working on improving my credit score by paying off the debts that I acquire during college. I plan on going to grad school in a couple of years and I need to improve my credit to obtain loans. I am asking if it is in any way possible to remove those 2 missed 30 day payments. 
Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian Credit Bureau XX/XX/XXXX to delete this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LoanCare LLC continues to report inaccurate balances on my credit report. I have disputed this inaccurate information to all three credit bureaus when my current balance was inaccurately posted at $ XXXX, I have never had a loan with the company in that amount. My loan amount with LoanCare was $ XXXX with a lower current balance. I have been making timely payments on this account since its origination. Now, LoanCare has again reported an inaccurate current balance of $ XXXX on my credit report which has again negatively affected my credit score. The correct current balance that LoanCare has failed to accurately report to all three credit bureaus for the last few months is {$220000.00}. These inaccurate reports to the credit bureaus has consistently resulted in decreases in my credit score without any full recovery once any form of adjustment was made. Its beginning to feel like fraudulent and targeted inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I contacted Experian about accounts on my report that are in error, Experian investigated and stated that the accounts were verified. I sent a letter requesting the Method of Verification in XX/XX/XXXX. Experian failed to send me a method of verification. I made another request in XXXX for the method of verification, Experian failed to provide me with the method of verification. I sent an additional request for the method of verification in XXXX, Experian yet again failed to send me the method of verification of how the accounts were being certified as being accurate. I sent a letter to Experian in XX/XX/XXXX telling Experian that because they had failed to provide the method of verification that I was telling them to remove the accounts and I would be filing a complaint with the CFPB, yet again Experian responded with a credit report stating that accounts were certified as being certified, and completely ignored my request.
Product: Checking or savings account

Bank of America in XXXX XXXX has put a hold on a check from my wife from her bank of America account to my Bank of America account.  The money has already been debited from her account but XXXX XXXX   Bank of America on XXXX XXXX in XXXX  Missouri will not release the money till XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefits from the following account ( s ).
Product: Debt collection

In XX/XX/XXXX, I requested proof of debt responsibility from the company National Credit Systems via phone. I requested to obtain original papers signed by myself that I owe a company called National Credit Systems or any affiliates and 3rd parties. National Credit Systems sent me papers via USPS that are visibly scanned and copied papers. According to the Law, copies are not sufficient proof that I am responsible for this debt or that I am responsible for this debt. To conclude, National Credit Systems will not provide to me original paperwork, signed by me. In addition, " National Credit Systems '' continues to reappear on my credit as a " new account '' every year, for the last 6 consecutive years. Collection agent from National Credit Systems, Miss XXXX, stated to me via phone in XXXX XXXX, that the removal time frame starts over when a debt is transferred and or sold to a new collection agency as well as after any and all disputes for this collection account made by me or any person 's. Miss XXXX stated via phone, this debt will remain on my ( XXXX XXXX ) credit report " forever '', and keep starting over as if it were from day # 1. National Credit Systems originally appeared on my credit as a debt from XX/XX/XXXX, in the beginning of XX/XX/XXXX. Over the years, the dates have changed many times as to when the account was originally opened .Currently my credit report States ( beneath the name National Credit Systems ) " opened '' XX/XX/XXXX. All of it seems invalid and not sufficient to be on my credit or that I am in fact responsible for this debt of {$4200.00} to National Credit Systems or their affiliates. Miss XXXX stated that her computer shows I am responsible for a debt of {$4700.00} but on my credit it states a different amount in which does not make any financial sense.
Product: Checking or savings account

Wellsfargo Bank NA/XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX received an order to withhold money from my account from XXXX  XXXX XXXX. Wellsfargo violated my rights because the property that was withheld is exempted under state & federal law : # 7 Veterans benefits ( 38 U.S.C 5301, 42 U.S.C 659 ( a ). Order to withheld was never served as required by law causing financial hardship.