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

Subject : Request to Remove Duplicate and Fraudulent Accounts - Case : [ Police Report Number : XXXX ] Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding a duplicate account that has been opened fraudulently in my name. I kindly request your assistance in resolving this matter promptly. The details of the fraudulent accounts are as follows : XXXX. Account XXXX : XXXX XXXX  Account XXXX : XXXX XXXX. Account Name : XXXX  Account Number : XXXX I would like to emphasize that I was not present in the country during the entire period when these accounts were active, specifically from XX/XX/XXXX through XX/XX/XXXX. As evidence supporting my claim, I have attached a copy of the police report filed regarding this fraudulent activity. The police report number is XXXX. 

Additionally, I have also filed a complaint with the Federal Trade Commission ( FTC ), and the corresponding complaint number is XXXX. I kindly request that you coordinate with the FTC to expedite the resolution of this matter. 

These fraudulent accounts have caused significant hardship in my life, both financially and emotionally. I urge you to take immediate action to remove these accounts from my record. I kindly request that you thoroughly investigate this matter, ensuring that my personal and financial information is protected from further misuse. 

I appreciate your attention to this urgent matter and your dedication to consumer protection. Please feel free to contact me via the provided contact information if you require any further clarification or documentation. I look forward to a prompt resolution of this issue. 

Thank you for your assistance.
Product: Debt collection

Repeated calls several times a day : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I co signed a lease for a friend 's mother on XX/XX/XXXX. XXXX ended on XX/XX/XXXX. ( All receipts for rent are included. ) XXXX XXXX XXXX is trying to collect a debt and are reporting I owe a debt that is not the unit I co signed for. I co signed for unit XXXX. The debt belongs to unit XXXX. ( Notice of rent included ) ( copy of lease included ) I DID NOT CO SIGN FOR UNIT XXXX XXXX CO XXXX FOR UNIT XXXX THIS CASE WAS DISMISSED IN XX/XX/XXXX XXXX IS REPORTING THIS AS A COLLECTION XXXX CLAIMED TO HAVE VERIFIED THIS ACCOUNT
Product: Mortgage

Today. I asked for pmi to be taken off my mortgage. They misrepresented the dollar amount and XXXX. They told me I could have the loan reassessed and I would have to pay XXXX for this. However this is not stated as a fee associated with the loan. They also said they wouldnt let me record the conversation while literally telling me they may be. They also refused to provide me with a signed paper saying why I have to pay XXXX for the pmi. I feel like this is not in the spirit of truth in lending practices. PENNYMAC is the lender.
Product: Mortgage

I applied for a mortgage refinance with Pentagon Federal Credit Union on XX/XX/XXXX. I quickly loaded documentation that was outlined in the initial set of documents I received. As part of the application process I ordered and paid for an appraisal on XXXX for XXXX dollars. Communication back and forth between myself and XXXX XXXX was satisfactory up until XX/XX/XXXX. Since that point, communication has been absent. 

Overview of communications and actions since XX/XX/XXXX : XX/XX/XXXX : Request for me to pay for appraisal ( XXXX dollars ), which I promptly did and scheduled appraisal for XX/XX/XXXX XX/XX/XXXX : I received an email and voicemail from Loan Processor outlining the list of documents needed. This list included documents that I had already provided. I promptly called back and left a voicemail with questions to clarify. I have yet to receive a response to any of my questions even after follow XXXX  on XX/XX/XXXX, XXXX, and XXXX. 

XX/XX/XXXX : I replied to email from XX/XX/XXXX with follow up questions about details of documents needed. 

XX/XX/XXXX : Appraisal took place and appraiser said that the completed appraisal should be available on XX/XX/XXXX. I have not heard anything about appraised value from PenFed to date ( today is XX/XX/XXXX ). 

XX/XX/XXXX : Loaded new pay statements and replied to email chain with XXXX XXXX asking for follow up on initial questions. 

XX/XX/XXXX : Followed up again on email chain with Loan Processor and included Loan Officer on email as well. 

XX/XX/XXXX : I called PenFed main phone line, spoke with a representative, outlined that both my Loan Processor and Loan Officer were unresponsive and that I would like to discontinue the application and be refunded the Appraisal Fee. The representative told me that I would need to speak to a supervisor ( they were not currently available ) and a supervisor would be calling me back the same day. I have yet to receive any communication from a supervisor ( today is XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

PayPal has refused to release my funds after it was held for 180 days and yet theyve refused to let gain access to it I need this money to pay my rents and bills I tried calling them and they couldnt provide solutions these peoples are invading my civil rights which Im going to take up a legal action if theres no solution as soon as possible
Product: Debt collection

Company collected a debt that I was in aware of owing. XX/XX/18
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my account go into collections in in XX/XX/2017. I reached out to Conn 's to get this situation corrected because i know i owed them. They advised me that they had a XXXX XXXX collecting on the account. I reached out to them and agreed to settle the account. In which we arranged payments to be paid and after the last payment was made they would clear up the account. Made my last payment on XX/XX/2017 and received the letter a couple of weeks later with a Settled in Full. As the letter stats they were supposed to send the information to Conn 's to get it reported correctly on my report. I reached out to them multiple time with either getting hung up on or transferred back to the que. I finally got ahold of someone and had me send the letter and was told to give them on call on XX/XX/XXXX and they should be able to give me some insight. Well gave them a little longer so i called on XX/XX/XXXX and spoke with the same guy i spoke with the first time. Had to stress to him that i needed it takin care of asap and kept telling me that its in the review process. I told him i waiting long enough for them to report it to my credit report and should have been updated within 30 days or so not 4 months and still waiting. He spoke with his manager and had me send the her the letter to her email. And all i got from Her XXXX XXXX was that the letter stated settled in full not paid in full. I told her whats the difference settled in full means there would be no more balance. She wanted to argue with me about my rights under the fair credit act and why my report hadn't me updated properly in a timely manor. I made the effort to get this taken care of and they need to do there part as both parties agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian in regards to a dispute on XXXX XX/XX/2022. Experian informed me that they do not need to get any information from the reporting company in order to verify any information that is furnished on my consumer report. If the reporting company tells them that it is verified once it is disputed, they will allow the company to report. Violating 15 USC 1681i ( a ) ( 4 ), Experian does not and will not consider my evidence. Experian stated that they do not need any proof, they take the companys word. This is a violation of 15 USC 1681i- which makes it clear that EXPERIAN MUST complete an investigation to determine if the information is accurate or inaccurate. THIS PHONE CALL IS RECORDED AND SUBMITTED WITH THIS COMPLAINT.
Product: Credit reporting or other personal consumer reports

I've been reaching out to XXXX, Equifax, and XXXX throughout the year. I been trying to get names, addresses, accounts, and inquiries removed that are inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for the account named XXXX XXXX  through the myequifax portal for an inaccurate collection reporting on my consumer report. 

They responded back verified within a couple days after their reinvestigation. 

I requested documentation directly from the data furnisher providing I owe this alleged debt. 

They did not provide this within the 30 days, could you please remove this inaccurate item from my consumer report?
Product: Credit reporting or other personal consumer reports

I took a look at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, 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 according to 15 USC 1681 ( e ) ( b ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 card

Refer to the attached documents. I urge the bureau to initiate an investigation into these accounts that incorrectly report me as late, despite my punctuality.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$4500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$8100.00} Highest Balance {$8300.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$8100.00} Times XX/XX/XXXX Days Late XXXX Remarks Charged off as bad debt Canceled by credit grantor Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization*182.07 % Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX JXXXX XXXX {$8700.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX  XXXX  Account Type Flexible Spending Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$5000.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$8700.00} Highest Balance {$8700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$8700.00} Times XX/XX/XXXX Days Late XXXX Remarks Charged off as bad debt Canceled by credit grantor
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in multiple violations of my consumer rights as defined by the United States Congress in 15 U.S.C 1681. Do not write me back telling me this is not me. This is in fact me and some consumers actually know and study the consumer laws. 

My information was compromised in the 2017 Equifax Data Breach and I have made that very clear to Equifax. I have 3 unauthorized, inaccurate, and fraudulent hard inquiries that may have been a result of attempted identity theft. I did not grant anyone written permissible purpose as defined by 15 U.S.C. 1681b.

The three companies are : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have spoken with the following reps with their Equifax ID # s provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and about 2 or 3 other reps just today alone. 

All of these reps have hung up on me, even while having the phone call recorded on my end for an attorney to listen to. I have communicated to them multiple times that they were being recorded and I have them recorded saying that it is an " internal policy '' that they don't talk to anyone that is recording a call when Equifax records every single call. I have asked them what Federal law requires them to hang up on me and no one has been able to give me a law because that bull crap. I have been told that my SSN does not bring up an account for those with the hard inquiries so I should contact Equifax to have those removed and Equifax refuses to budge. 

They willingly continue to break the law and they do not even add in files that I have sent to have on my record. These inquiries, including soft inquiries, need to be removed IMMEDIATELY! They are not linked to any account and they are unauthorized, attempted identity theft, and fraudulent.
Product: Credit reporting or other personal consumer reports

These fraudulent accounts linked to identity theft must be blocked and removed from my consumer report immediately. I never provided written authorization or a wet signature for their inclusion. This follows my previous communication about this matter. The presence of these unauthorized accounts has severely impacted my financial wellbeing, preventing important life goals like home ownership and providing for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I found an unknown and inaccurate accounts on my credit report and I sent Dispute letter but over 30 Days today I haven't received a response. I was a victim of Equifax Data Breach. I want to deleted all the accounts on my credit report or I will file a litigation.
Product: Credit card or prepaid card

I have reached out to Discover more than 10 times, both by phone with representatives and in writing to request an adjustment to a recorded late payment in XX/XX/2021. Clearly I do understand they can not, by the Fair Credit Reporting Act, remove this one and only delinquency, but they are not obligated by law to report it. Im not asking it be removed from their records, only that it be adjusted with the credit bureaus, as this late is the only late and occurred while I was with XXXX and seriously XXXX. As a result of this reporting, Im unable to qualify for homeownership and as it affects my credit so steeply it prevents me from even attaining adequate XXXX In this economic climate I do not feel it is a totally unreasonable to request and a certain level of compassion to be considered as most large companies have made strides to have some empathy for their clients.
Product: Credit card

Bank of America XXXX credit card. 
An annual fee was assessed even though i closed the account and havent used the card in many years. i called to have them reverse the fee as i closed the account in XX/XX/XXXX and had paid XXXX dollars of the XXXX dollar fee. i told them to keep the XXXX as it would more than cover two months of the year. they said since i used the card once ( who knows how long ago ) that a service fee is charged to the account no matter what and it is not refundable. I have not used the card in 4 or 5 years at least and feel that their previous fees more than cover any cost that they have incured from any purchase i made umpteen years ago. i feel this is ridiculous and my fee should be refunded immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 They are violating FCRA 15 1681 eb for reporting information that is not 100 % accurate. 

Did not receive a 1099-C form " Cancellation of Debt '' from none of these lenders below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

account # XXXX XXXX I am writing to dispute this debt because I do not owe it. This debt, which is a result of ID theft, is not relating to any transaction I made. Notice : UNDER UCC SECTION 3-401CAJ IF THE PARTY DOES NOT SIGN, THE PARTY CAN NOT BE HELD LIABLE. Meaning this contract has been a one sided agreement which I was never disclosed a signature by an authorized party. Proof of claim can not be brought forth by the opposing party without the requested information, see Exhibit ( A ). 

Notice, I am aware : Under the Fair Credit Reporting Act ( " FCRA '' ), the credit reporting agencies have an obligation to block the fraudulent account when they receive a police report and/or a copy of a Federal Trade Commission Fraud Affidavit . Once the credit reporting agencies receive such documentation they are required to block the fraudulent information in four ( 4 ) days and begin an investigation into the accounts. 

Notice : I sent a FTC fraud report affidavit to XXXX XXXXXXXX on XXXX XXXX, XXXX see exhibit XXXX, XXXX, XXXX. 
Please add a promotional suppression to my credit file. 

" Notice, it is a fact, affiant is aware, pursuant to 15 U.S.Code 1692g ( c ) there can be no presumption or admission to liability if I, the affiant in consumer in fact, have not admit liability. I the affiant, and consumer admit no liability. 

You have not provided any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) & under section 611 ( 5 ) ( a ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability & the remedy available to me for " negligent noncompliance '' ( section 617 ) if you fail to comply. I am a letigious consumer and fully intend on persuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be deleted immediately. 

Notice, it is a fact, affiant is aware, whoever willingly and knowingly gives, false, inaccurate or fails to provide information which is required to disclose, or fails to comply with any requirement under the consumer credit protection title will be held to criminal liability pursuant to 15 U.S. Code 1611 with fines up to {$5000.00}, one year imprisonment or both. 

IF XXXX XXXXXXXX FAILS TO TAKE REASONABLE STEPS TO RESOLVE THIS MATTER. I WILL HOLD XXXX XXXXXXXX CRIMINALLY AND CIVILLY LIABLE FOR ALL ACTUAL DAMAGES, PURSUANT TO 15 U.S.C. 1681N AND 15 U.S.C. 16810. 
I WILL ALSO ISSUE AN INVOICE FOR THE VIOLATIONS, WITH DAMAGE AMOUNTS PER VIOLATION.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a matter related to my credit report for XXXX, Experian and XXXX that has not been handled in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. My recent attempts to resolve this issue have been unsuccessful and I am requesting immediate corrective action. The information that is in question is XXXX XXXX XXXX Acct # XXXX or # XXXX XXXX : {$740.00} Investigation or action was not taken in a timely manner, or the results were not communicated clearly. As you know, the FCRA requires that disputes be investigated and resolved promptly, usually within 30 days. To further clarify, I believe the failure to resolve my dispute accurately or within the statutory time limit constitutes negligent noncompliance on your part under 15 U.S. Code 1681o. As such, I am requesting the following : An immediate re-investigation of the disputed entry. A written statement outlining the findings of your investigation and the corrective actions you will take. A clear explanation of the reasons for any continued errors, if applicable. Additionally, I would like to remind you that under the FCRA, I am entitled to recover damages for any negligent noncompliance, including actual damages, statutory damages, attorney fees, and costs if this matter is not resolved promptly. Please address this issue within 30 days from the date of this letter. If I do not receive a satisfactory response, I will be forced to take legal action to enforce my rights under the FCRA, including pursuing civil liability for damages. Thank you for your immediate attention to this matter. I look forward to your prompt resolution.
Product: Credit reporting or other personal consumer reports

I am disputing items on my credit report that were not properly investigated as required under the Fair Credit Reporting Act ( FCRA ) I submitted a formal dispute to Equifax regarding inaccuracies in the following 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  The disputed items include accounts that dont belong to me. 

I provided all necessary supporting documents, but the investigation results did not adequately address my concerns. No evidence or explanation was provided by the companies involved to verify the accuracy of the information. 

As this impacts my creditworthiness,
Product: Debt collection

Midland Credit Management INC. 

Constantly, called my cellphone and mailing letters to mailing address stating that they were going to sue me because I owed credit card debt from supposedly two companies that they purchased. They actually went to residence and serviced the residence there with the judgment. Never gave the original company the right to sell my information to third party. The accounts were charge-off, due to COVID-19 pandemic, I lose everything I explained to them but the third party company harassed me from XX/XX/XXXX until XX/XX/XXXX. The residence was just a mailing address because I was homeless. Now they have a court judgment on me.
Product: Debt collection

William 's and Fudge, Inc has made several attempts to collect debt that they can not verify. I have asked for verification of debt proving I am responsible for the debt. It has not been confirmed in the mean time the company proceeds to charge me fees and ignore my requests stating I never asked for validation of debt even though I did and can prove it.