23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX  XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Credit reporting or other personal consumer reports

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 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.

and according to 15 USC 1681eb they are supposed to ensure this ( 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. 

and according to 15 USC 1681s-2 this is suppose to happen ( 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.

Equifax really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case Please see attachment
Product: Checking or savings account

Frost Bank contacted me about an account that was being opened with my information, they were checking with me because it seemed fraudulent they had 3 accounts trying to be opened in my name and to report it to the FTC.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 


Company Name : CREDIT COLLECTION SERVICES Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX  XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX XXXX OF XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00}
Product: Checking or savings account

On XX/XX/XXXX my direct deposit was processed and should have been available XX/XX/XXXX at XXXX into my TD bank account. On that same date XX/XX/XXXX I had 3 payments come out of my account to be paid. I was told by the teller since their bank TD did not make my direct deposit available for XXXX that I was responsible for the over draft fees since they hit my account on the same date prior to TD bank making my direct deposit available I advised the teller my prior bank always made my direct deposit available at XXXX and what makes their bank different. This is not right at all.
Product: Debt collection

I contacted Credit Recovery Associates on XXXX/XXXX/2015 about a collection they put on my credit. I ask them to send me the information showing that this debt is my. As of XXXX/XXXX/2015 they have not responded
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX has been reporting entries for 7 years and 10 months as of today XX/XX/XXXX without my KNOWLEDGE or CONSENT. I have requested them to provide me with the Original signed document bearing my, " XXXX XXXX '', signature as well as the date this was signed to and agreed upon, because to this day I have no recollection of giving my signature and consent. 8 years ago I was XXXX XXXX XXXX ; I could not have signed for such an account at such a young age. If they can not provide me with here said VERY SPECIFIC ORIGINAL SIGNED DOCUMENT BEARING SIGNATURE AND DATE OF SIGNING, than they must delete this account from my credit profile. 

XXXXXXXX XXXX Account Number : XXXX Open Balance : {$2400.00} Date Opened : XX/XX/XXXX Date Closed : XXXX XXXX XXXX  Date of First Delinquency : XXXX, XXXX Last Reported : XXXX XXXX XXXX XXXX
Product: Debt collection

I was initially notified of a debt sent to collections on XX/XX/XXXX. I responded to this with a dispute on XX/XX/XXXX, within the 30 day period. Collection attempts never stopped and to this day XX/XX/XXXX I have not received my dispute results. However, the credit bureaus had been reporting that the dispute was resolved on my credit report by the grantor. After contacting the debt collector again today XX/XX/XXXX they said the dispute was resolved on XX/XX/XXXX. This does not make sense as they reported to the credit bureaus that it had been resolved months prior.
Product: Mortgage

Our mortgage holder, Ditech, conducted an incorrect escrow analysis on  XXXX   XXXX ,   XXXX   indicating a deficiency, so we contacted them by phone on  XXXX   XXXX ,   XXXX   to discus the matter. After speaking to several incompetent people, we were finally told to fax the   XXXX   Notice of  Appraised Value indicating our homestead and DV4 tax  exemptions. We were given the following fax number :  XXXX  and have a copy of the fax transmission report with the detail, however we were given no response that they received the document.     So two days later,  XXXX   XXXX ,   XXXX  , we sent a message through the  Ditech Message Center and wr ote the following : " I recently faxed in my   XXXX   Notice of Appraised Value with exemptions DV4 and HS notated. Just following up to make sure that you received this document, as I did not receive an email stating that your received it. How will these exemptions impact my monthly mortgage payment? Please send me a message detailing any changes. '' To no avail we still did not receive a response. Instead we received a notification that another escrow analysis would be performed. The new escrow analysis conducted on  XXXX   XXXX ,   XXXX   is identical to the analysis performed in  XXXX  and is incorrect as well. Their analysis indicates a deficiency of {$2700.00} with an  incorrect county tax  amount and an incorrect hazard insurance amount.     Although they have the corr  ect hazard insurance amount ( {$2300.00} ) listed on our escrow activity page, the wrong amount ( {$2300.00} ) is listed on the escrow analysis.
In regard to the county tax, t  hey have the wrong amount  XXXX  {$8700.00}  XXXX  listed on our escrow activity page as well as on the escrow analysis.     Our   XXXX   Notice  of Appraised Value clearly states that the county t ax for   XXXX   is {$6900.00}. Our current escrow balance for  XXXX   XXXX ,   XXXX   is {$4000.00}. Even if our escrow payments stayed the same, we would still have overage.
Product: Credit card or prepaid card

I am sending a new complaint because I can not tell if Chase is saying my re-dispute was valid even though the merchant never replied to my bad quality of service letter OR if my re-dispute is valid because I missed the time frame of getting the re-dispute letter to Chase. I am attaching the Chase letter they sent me on XX/XX/XXXX which doesnt say I missed the deadline but I am told from 2 supervisors on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX that I missed the deadline to re-dispute on time. I received a letter on XX/XX/XXXX saying my charges on my dispute was valid. I mailed a re-dispute postmarked on XX/XX/XXXX and Chase signed for it on XX/XX/XXXX. I called Chase on XX/XX/XXXX and XX/XX/XXXX and not once did Chase let me know when I needed to have my re-dispute sent by a certain time. In fact, XXXX told me XX/XX/XXXX and XXXX told me its 12 calendar days from XX/XX/XXXX was when they needed it by, both are different days. XXXX told me they wouldnt even know when it was due by till I sent the re-dispute, that doesnt even make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported I'm late on my mortgage consecutively for over a year and I have not been late. 
This has caused me hardship in obtaining a reasonable line of credit for my business which needs a van, my insurance is higher and I was unable to refinance my residence address for a lower rate while the rates where still at 4.25 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 


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

Regardless of the multiple written requests, the fraudulent items listed here in my complaint are still reporting on my credit report in violation of Federal Law. Credit bureuas failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Remove the following items right away : XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require the removal of incorrect accounts from my credit report. Could you please examine the documents? Some accounts are inaccurately reported, with wrong amounts and dates.
Product: Debt collection

Was scheduled to move in to XXXX on XXXX on XX/XX/ in XXXX, CT. Arrived at the property on that day- it was uninhabitabe and unsanitary. Could not move in. Contacted the leasing company immediately, left messages, called all corporate numbers, no one would answer. Contacted the Department XXXX XXXX. They validated that this property was uninhabitable- had current investigations going on them. Left without ever getting the key or moving in. Contacted the company over the next 4 days - no return calls or emails. Finally reached someone in corporate - sent all the photos of the property that day- she agreed in writing that we were correct and she would forward it on to have the lease nullified and voided. The person who is was forarded to was very rude and said she did not agree and we owed a move out fee - even though we never moved in. 
We went back and forth and she would not budge. I got an attoryney who took over communications with her. The last communication was from my attorney saying they were in breach of CT codes and the matter was to be closed. We recieved no reply. The next thing that happened was I got a call for IQ Data saying I owed the debt of {$2100.00} - I disagreed and they said I had to pay or dispute. I got the attorney to send a letter to validate the debt. We received NOTHING from them in response ... and they sent it the credit bureau - we did not have the opportunity to reply or formally dispute the debt. Once I saw this in the credit bureau, I had my attorney call- and they were uncooperative. And said we could go to court.
Product: Mortgage

Mortgage was included in bankruptcy discharged XX/XX/XXXX. Mortgage was reaffirmed in bankruptcy. Asked for payoff starting in XX/XX/XXXX and despite numerous call daily Dovenmuehle did not provide payoff until XXXX XXXX AFTER loan was transferred to XXXX XXXX XX/XX/XXXX, XXXX we were supposed to close on sale of home in XXXX but could not close until XX/XX/XXXX. XXXX. Funds sent to XXXX at closing were returned to title company as they were not servicing the loan anymore. Loan was then paid off through XXXX XXXX. XXXX shows account as open on my credit report and as discharged through bankruptcy even though it was reaffirmed. The XXXX balance and derogatory credit rating infer that the debt is XXXX because it was discharged in the bankruptcy. It should indicate paid in full and the loan had been in a COVID forbearance prior to the servicer transfer and subsequent sale and should not indicate a negative credit reporting code for those months. Not closing on the loan in a timely manner caused terrible stress for our family and financial hardship, and not reporting this correctly is now doing the same as we start to work on obtaining a mortgage for a new home.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am disputing multiple egregious errors concerning late payments and unauthorized hard inquiries that violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. If immediate action is not taken, I intend to enforce my consumer rights to the fullest extent of the law. Under the Fair Credit Billing Act, 15 U.S.C. 1666, I have the right to dispute these patently inaccurate credit report items. Hard Inquiry Disputes Additionally, the below hard inquiries were accessed without any permissible purpose or authorization as mandated by the FCRA [ 1681b ( f XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX. XXXX XXXX XXXX - XX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX XX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX. XXXX XXXX - XX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX. XXXX XXXX XXXX - XX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately.
Product: Checking or savings account

On XX/XX/XXXX, a scam artist on XXXX, who was parading as an employee. Contacted me as a seller and stated that my terms of payment needed to be verified. I was new to the platform and so its true. My payment method had not been verified and as such did not think anything of it. Unfortunately, it was a scam artist who h
ad sent the email in order to gain access to my personal information. 

They made a transaction of {$XXXX}. I notified Venmo and submitted a dispute with them. As well as notifying XXXX of the situation. Venmo after about a week and a half contacted me and said that my dispute had been denied, and no further action would be taken. 

I contacted them again today and the woman at Customer Service sent me a link to have them take a second look at my dispute. I filled out the paperwork and sent it into them. 
However, I am also filing a complaint through you. Because it is quite obvious that the transaction was not authorized both by my quick response as well as immediately after the transaction. I froze my account and contacted their online customer service. Of which I have the transactions of that chat in writing. I also noted to the customer service woman today with Venmo that in no time had I ever done business with this merchant before in the past. No goods or services had been exchanged. The money had simply been taken out of my account. 
Other Venmo may be an online bank. They are still a bank and it is their primary responsibility to protect their patrons. They failed to do so, and as such should be held accountable. Especially, in todays age where it is all too easy for XXXX and scam artists to take advantage of their patrons.
Product: Mortgage

They send your private bank account information over un-encrypted email, exposing you to identity theft and fraud. I have asked them to stop, no response.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I attempted numerous times to login to my account on Equifax. I constantly received the message : " We are temporarily unable to complete this request. 
Please try again later. '' I then attempted to contact help support. After XXXX minutes I was connected with a person I had difficulty understanding. I explained my issue and was told I should try to reset my password. I was emailed a reset password link that was good for XXXX hours. 
I then tried no less than XXXX times over the next XXXX hours to use that link to 'reset ' my password. Every time I would get to point where I would receive a familiar message : " We are temporarily unable to complete this request. 
Please try again later. '' Finally my XXXX hour period elapsed and the reset link would no longer work. 
I have since tried numerous times to login to my account, but continue to receive the " temporarily unable to complete request '' message. I have searched this issue on the internet and have discovered it has been going on intermittently for years and over many users.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX  XXXX XXXX XX/XX/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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX