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

I sent in my police report and my FTC affidavit to the three credit bureaus Experian Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these XXXX XXXX XXXX XXXX Account XXXX. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then Experian again and was accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. I went down to the police station and sent in a police report along with my FTC notarized Affidavit. Experian also accused me of not getting a police report from the police department that is not ture and insulting. The fraudulent account reporting is as follows XXXX XXXX XXXX XXXX Account XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character I appreciate your prompt attention to this matter, and await your reply. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  XXXX Balance : {$3700.00}.
Product: Credit reporting or other personal consumer reports

Upon checking my Experian consumer report on XX/XX/2023 it has come to my attention that there are XXXX XXXX inaccuracies on my consumer report, some including inaccurate names, addresses, telephone numbers and others including multiple inaccuracies from XXXX company on several different dates. I have highlighted and numbered all inaccuracies found.
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 Balance : {$500.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX  XXXX Balance XXXX {$3200.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXX CARD XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$26000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$22000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} ; 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 XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; TXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/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: Debt collection

I am reporting a violation of FDCPA by debt XXXX- XXXX, XXXX XXXX XXXX XXXX who have filed a complaint against me in the XXXX XXXX XXXX XXXX. I received a summons from XXXX XXXX - XXXX XXXX XXXX dated XX/XX/2022. The document stated that I was being sued for more than {$15000.00}. I had never been contacted by a debt collector regarding this alleged debt as is required in the Fair Debt Collection Practices Act ( FDCPA ). I was unable to have the debt validated by this firm. I do not believe that I owe any debt to this debt collector. I received a summons from the court as the initial notification of a debt of which I was unaware. XXXX, XXXX XXXX XXXX, XXXX were previously known as XXXX XXXX XXXX have violated the Fair Debt Collection Practices Act in the past and have been fined {$1.00} XXXX in civil penalty by the Consumer Financial Protection Bureau for their repeated ongoing deceptive and abusive practices in violation of the FDCPA. These debt XXXX- XXXX, XXXX XXXX  XXXX, XXXX never contacted me to notify me of the debt they are alleging I owe them. They never validated or verified the debt and instead filed a complaint summons in XXXX XXXX XXXX- against me. I am disputing the actions of this agency. I have no knowledge that this is a valid debt. I responded to the court with my ANSWER and these lawyers ( debt collectors ) filed a Motion to Strike my Answer. I have opposed their Motion to Strike my Answer and filed an amended ANSWER. Now they have filed a Motion for XXXX XXXX. I have filed a Motion Opposing Summary Judgment and they have provided documents to the court which are UN-REDACTED and contain not only my Confidential Personal Information but more than XXXX transactions which include XXXX XXXX which violates HIPAA Act and I plan to files federal charges against them with XXXX XXXX. Please investigate XXXX, XXXXXXXX XXXX XXXX, XXXX. 
My detailed information is contained in the court documents which I have attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting derogatory information without my permission. 

I have not given you written instruction/permission to report the adverse account status of XXXX, XXXX XXXX, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Equifax on notice that your agency may not furnish any adverse status information pertaining to XXXX XXXX XXXX # XXXX pursuant to U.S.C Title 15 1681c.

I very respectfully Equifax on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX XXXX  # XXXX, is in fact adverse pursuant to U.S.C Title 15 1681s2 ( G ) ( i ).
Product: Checking or savings account

I had a checking account with Huntington Bank. My social security check was deposited on the XXXX of XXXX and the next day I called and found out that my account had been closed by Huntington. They would not tell me initially why they had closed the account but they allowed another deposit into the account. After a series of phone calls I was told that I had to show up at a brick and mortar with a piece of paper to verify the deposit along with me personally. I live an hour and a half away from Huntington Bank in XXXX Wisconsin. I am in a wheelchair at this present time. It takes time to set up rides which are not always guaranteed. I have explained this several times to Huntington Bank. They don't care. They have expressed that to me as well through other language that we're sorry but you'll have to go to a brick and mortar. I have called a brick and mortar. I was offering to email or fax the necessary paperwork that was needed so they could verify the deposit and send the money via cashier 's check through the mail to me. I have yet to receive a letter as to why they closed the account. I am being forced to go back to Huntington Bank just to show a piece of paper and to get my money. I am not happy with Huntington Bank and looking at all the other complaints that people have talked about I would give Huntington Bank a two-star review.
Product: Mortgage

I started the loan modification process in XXXX XXXX XXXX. I have signed notarized and returned all paperwork. each time paperwork was received by loan care. They stated there was an issue. my mortgage payments resumed in XX/XX/XXXX under the new guidelines of the modification. since then I have signed and notarized papers dated for XX/XX/XXXX, a total of approximately XXXX XXXX XXXX times now. I have gone months without communication from them, and when I reach out to them, they still state that they are missing something. This last time they received paperwork from their vendor notary dated XX/XX/XXXX. Upon calling XX/XX/XXXX, they still have not processed this paperwork that is dated from XX/XX/XXXX. No one in the company knows why this paperwork has not been processed and I am still paying my mortgage under these guidelines this whole time. I have escalated this to their underwriting team, mitigation leadership team supervisors amongst others. I have been told by the leadership team that I can report them get a lawyer and constantly be working on this. This is XXXX months since this process has started with resolved. I have to call to make payments each month because I am locked out of the online system because of this issue
Product: Mortgage

My loan was sold to LoanCare in XX/XX/2019. I received notice of my new account number and changed that account number with my banks online bill paying service. My bill service somehow inadvertently used the old account number on the first three payments to the loan company for XXXX, XXXX and XXXX of 2019. I contacted LoanCare and submitted documentation of the three payments made. To date, they have credited me for two of them. My payment from XX/XX/2019 is still not properly credited so my account shows that I am a month behind on payments. I have contacted the company nearly every month since to have this rectified. Every customer Service person I have spoken with has said that all the documentation is there and there should be no problem with the payment being properly credited within the next 30 days. Every month, it never happens and I have to call them again. The last time I called in XX/XX/2019, they told me the complaint had been closed/resolved in XXXX and yet the payment is still not credited to me. They reopened the complaint again at that point and said that it should be credited within 5 days. Today is XX/XX/XXXX and it is still not credited to my account and I still am showing 30 days delinquent on my mortgage.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

the account was never authorized to report on my credit, please see the account below : Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Mortgage

We have filed a report previously. The company told CFBP that everything was taken care of. It is nowhere near resolved. 

Statebridge company has proven to be the most impossible company to work with in the entirety of our adult lives. We call them and they hang up on us, give us the run around and are rude and uninformed. We pay and they hold on to our checks for weeks and then report our payment as late to credit bureaus. They have single-handedly ruined our credit. 

It is impossible to pay this company. If you call you are on hold for upwards of an hour and when they answer ( IF they answer! ) they hang up on you. They even call me to retrieve payment and when I answer and they switch me to an operator, they hang up on me! 

Because they are marking my payments as late, I am not allowed to pay online. No phone payments because of the reasons listed above, no online payments because they are marking my payments as late and no mail payments because they hold onto my checks and process as late. I am at my wits end and very close to hiring a financial lawyer. 

After our last claim with CFPB, Statebridge contacted us immediately and allowed me to make a payment in full over the phone, which meant future payments could be made online. I checked my account a week later and they said I was behind by {$120.00}?! How is that possible when they gave me the amount to pay? Now I am no longer allowed to pay online because I am considered behind. I have emailed and called them several times to no avail. I can not show up in their office because they are several states away. 

XXXX is the company that is above them and they are no help, either. I have told them several times my complaints and they have told me several times that they were working to send my loan to another company. That have been about four months now with no results.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate payment information listed on my credit report. This letter serves as my request under the Fair Credit Reporting Act ( FCRA ) for your agency to investigate and correct these inaccuracies promptly. 

The information in question is as follows : CREDITOR NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX These are 2 accounts which completely has obvious inaccuracies EXAMPLE XXXX DATE OPEN XX/XX/XXXXXXXX CORRECT ON BOTH XXXX AND EXPERIAN BALANCE {$9400.00} EXPERIAN {$2100.00} XXXX ( ERROR ) STATUS CLOSED EXPERIAN OPEN XXXX ( ERROR ) EXAMPLE XXXX DATE OPEN XX/XX/XXXXXXXX  CORRECT ON BOTH XXXX AND EXPERIAN BALANCE {$55.00} EXPERIAN {$610.00} XXXX ( ERROR ) STATUS CLOSED EXPERIAN OPEN XXXX ( ERROR ) Nature of Dispute : Inaccurate Reporting of account information This is the 3rd attempt you are clearly in violation of Federal Consumer Laws. 

Under 15 U.S. Code 1681i, I have the right to request an investigation of disputed information. If your investigation finds the information to be inaccurate or unverifiable. I request that it be removed from my credit report immediately.
Product: Mortgage

I went to the First National Bank XXXX XXXX XXXX to see if I could qualify for a mortgage. I had a short sale roughly 4 years ago in the spring of 2011 and the bank was aware of this the first day. Because I had relocated for my job I was forced to give power of attorney to my father to complete the short sale. By neglecting to tell me it is 4 years from the settlement date of a short sale before they can give any kind of mortgage, they moved forward by approving me for a loan of up to {$130000.00}. At that point I put {$500.00} earnest money down on a house. Then I liquidated my XXXX to the tune of {$25000.00}. I was also charged an appraisal fee of {$450.00}. After about a month the bank contacted and told me that they were denying me financing because my short sale had not reached a full four years. The bank was fully aware of this short sale and its settlement date from the very first day I went in and they neglected to be thorough in doing a financial background check. Due to the incompetence of the employee I am now responsible for fees and penalties of up to and over {$3000.00} and have nothing to show for it. First National should have denied me financing the very first day I walked in the door instead of telling me I was getting a loan. I then contacted the employee I was dealing with and was spoken to very disrespectfully when all I wanted was an answer as to why they were so irresponsible with there loan process. My goal in filing this complaint is to be refunded the potential fees of over {$3000.00} and if possible to refund me the {$25000.00} I withdrew from my XXXX. Keep in mind this was the very first time I set foot in this bank and this is how they treat potential customers. Please note the date on the attached conditional loan approval letter and the date on the attached good faith estimate paperwork are over a month apart. There was more than enough time for them to find any information about my short sale and inform me of what to do.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information appearing on my credit report. Under 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This violates my consumer rights to privacy, as they have no lawful basis to report anything associated with my name.

Additionally, there are unauthorized inquiries on my credit report that I did not initiate, indicating a case of identity theft. Under 18 U.S.C. 8, I do not owe any debt to these entities and demand the immediate removal of the items and inquiries in question to correct my credit report. 

Please address this issue promptly and confirm the removal of the disputed entries
Product: Credit reporting, credit repair services, or other personal consumer reports

A request was sent to validate a debt that is being reported on my credit report by a creditor. Proof attached of mailing and receipt date XX/XX/23. Response was not made or validated within the 30 days alotted by FCRA. Asking to have this inaccurate account removed from my report ASAP. 2 Bureaus have failed to do so. Experian has failed And XXXX XXXX has failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform the CFPB of the bad practices XXXX XXXX XXXX XXXX Innovis XXXX those companies have violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in XXXX on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( negative {$700.00} ) The company XXXX XXXXXXXX XXXX has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I XXXX XXXX got XXXX  and I did 2 years in XXXX XXXX XXXX XXXX. When i was XXXX XXXX XXXX I applied for housing and was denied due to fraudulent accounts on my credit. Please do your due diligence and verify this account. I am requesting verification that you must show me according to the FCRA that this is a valid debt of mine. I have never had XXXX XXXX in my name. I am requesting that your company verify with XXXX XXXX XXXX that I was XXXX in their facility at the time this account was opened and remove from my credit files asap!!!
Product: Credit reporting or other personal consumer reports

I keep reporting to the credit bureau that XXXX XXXX XXXX is improperly reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Has been taking {$400.00} payments from me as the vehicle is in collections not charge off and according to the law firm I owe XXXX not XXXX as XXXX XXXX XXXX is reporting. I have filed dispute after dispute and it is not being corrected.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX. ) Account Number : XXXX My social security number has been compromised from the social security breach that occured in XXXX access to the XXXX XXXX XXXX XXXX