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

I am writing to dispute an unauthorized account that appears on my credit report under XXXX XXXX XXXX. This account was opened on XX/XX/2023, for the amount of {$250.00}. I did not authorize this loan, and I am requesting that it be removed from my credit report immediately. 

I became aware of this unauthorized account while reviewing my credit report. I promptly contacted XXXX XXXX XXXX to inform them of the fraudulent account and to request that it be closed and removed from my credit history. I have also taken the necessary steps to protect my identity, including placing a fraud alert on my credit file with the major credit reporting agencies. 

Despite these actions, the account remains on my credit report, which is negatively affecting my credit score and overall financial well-being. I kindly request that this account be investigated and removed as it was not authorized by me. 

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

1st. I received a summons to appear in court. I had received no notice of closure of the account. I received no other contact via mail. I did not receive a notice 15 USC 1692g ( d ). This is a clear violation of my rights and I expect it to be properly investigated and prosecuted. 
2nd. The sum being requested for repayment far exceeds any credit account that I ever have had in my life. No amount of garnered interest can account for the inflated demand of the litigation. ( {$9400.00} ) 3rd. The suit is being brought forward by Johnson Mark LLC in Utah registered NAICS 9999 Nonclassifiable Establishment. This seems like an obvious deception attempt. Wouldn't a Law Firm that was providing strictly legal services register as NAICS 541100 - Legal services. They can't register as a legal service because they are providing ( financial services ). But they can't register as a ( Financial services ) because that would make them a junk debt buyer and then they couldn't sue on behalf of there clients if you guys actually put 2 and 2 together. 
4. Also lets take a look at this " Nonclassifiable Establishment '' Oregon registration because XXXX XXXX Oregon is where they lawsuit was filed. In Oregon they have registered agent with a company called XXXX XXXX XXXX XXXX Who also has a registered agent with a company called XXXX XXXXXXXX XXXX XXXX of Las Vegas XXXX Now here is the kicker, XXXX XXXX XXXX has a registered agent of XXXX XXXX XXXX XXXX XXXX who has listed XXXX XXXX XXXX as there registered agent. This means that those entities loop back onto each other. I'm sure there is nothing illegal about that right. 
I also noticed that the cfpb seems to not take the side of the consumer even if that is directly in the name. How do I know this well i have looked and seen all the complaints that have been brought forth to you about this company and it appears all they need to do is just say hey guys we did our job right and you all brush it off. So I will be including a copy of this notice to a large panel of our elected officials. Your boys club protecting the debt collectors is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding that these major credit companies cease it reporting unknown and unauthorized accounts on my credit file inwhich I have disputed. I'm disputing these accounts cause they are not mines and the fact that I been XXXX since XX/XX/2016. I'm asking for signed contracts and any other physical Verification that you have in support of you and your companies that'll solidify your reportings. In my research it is fact that electronic Verification can not be accepted as any proof. So please provide physical documentation or remove the following accounts immediately. 
1 ) XXXX XXXX XXXX {$290.00} 2 ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX disputing information on my credit report. Pursuant to FCRA XXXX XXXX including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate and inconsistent information reported across all three major credit reporting agenciesEquifax, XXXX, and XXXX XXXX of my accounts. These discrepancies include conflicting account balances, payment histories, and account statuses. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and consistency of the information they report ( 15 U.S.C. 1681e ( b ) ). Given the significant inaccuracies and inconsistencies in the reporting of this account, I request that the account in question be thoroughly investigated and subsequently deleted from my credit report. Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

SPOKE WITH EXPERIAN SEVERAL TIMES ABOUT ACCTS THAT ARE SHOWING ON MY CREDIT REPORT AS CH.XXXX BK, BUT THESE ACCTS WERE PAID YEARS AGO. IVE SPOKEN WITH REPS AT EXPERIAN  ADVISED THEM TO LOOK BACK MONTHS AGO AND THEY WILL SEE THESE ACCT ARE PAID. AND THEY REFUSED TO BE HONEST AND REMOVE ACCTS THAT ARE SHOWING INACCURATE/BK. I HAVE TRIED REACHING OUT TO XXXX XXXX TO RESOLVE THESE ISSUES BUT THEY WONT CONTACT ME BACK.
Product: Mortgage

I am refinancing my coop mortgage. 

With a coop the collateral is the stock. My current lender, Astoria Federal, possess the stock. My new lender, XXXX XXXX, has requested the stock from Astoria on XXXX XXXX, 2015. It typically only takes about a week to transfer the stock but as of today ( almost four weeks later ) XXXX has not confirmed if/when they will transfer the stock. 

I have already paid over {$1000.00} for fees relating to this refinance and further delays will add additional cost to me. 

I have contacted XXXX Federal, their mortgage service company ( XXXX ) and the attorney representing Astoria XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and no one has been able to confirm the location of the stock or how to retrieve it.
Product: Credit reporting or other personal consumer reports

I am disputing the following hard inquiries as I did not authorize these credit checks. I have no record of applying for credit with these companiesI am disputing the following hard inquiries as I did not authorize these credit checks. I have no record of applying for credit with these companies on these dates. on these dates. 

XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX I dispute the accuracy of the information listed above and request that it be removed from my credit report immediately. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to a free copy of my credit report, which I request be sent to me within XXXX days of receiving this letter.I look forward to your prompt attention to this matter. Please investigate my dispute thoroughly and provide me with written confirmation of the results of your investigation. 

Sincerely, XXXX XXXX
Product: Debt collection

I'M IN THE PROCESS OF REFINANCING MY HOME AND A JUDGEMENT SHOWED UP THAT THE LENDER TOLD ME NEEDED TO BE PAID OR SETTLED BEFORE WE CAN MOVE FORWARD. I CONTACTED THE COMPANY REGARDING THIS ALLEGED DEBT AND THEY SENT OVER A FAX TRYING TO COLLECT FROM MY LOAN AT THE CLOSE OF ESCROW. I HAVE NO IDEA WHERE THIS CAME FROM AND I'VE NEVER HAD AN ACCOUNT WITH THIS COMPANY.
Product: Debt collection

company illegally reporting debt that is not theirs and is not original debtor as well as is out of date for reporting as well as is debt that was illegal bank charges for debt card purchases under XXXX charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested everything that was on my credit report that was incorrect that was deleted from my credit I never received them I keep getting the up date XXXX I requested everything from my old XXXX  from all credit report agency that was deleted from my credit file
Product: Credit reporting or other personal consumer reports

There is a credit account on my credit report that is not mine. I filed an investigation and they said they looked into it and it was verified but it is definitely not my account
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt or credit management

I started with Beyond Finance Debt company on XXXX XXXX. After that I was never notified about my debts negotiation, the only thing they did was taken my monthly contribution to pay my debts. They took XXXX dollars every XXXX of the months. After almost two years I went to check my credit report. I noticed that on Credit report something was nor right. I confirmed that only two accounts were check, one was paid and the second one was about to be paid. I called beyond trying to get information. They responded very unprofessional short manner. A lady told me that all information was on my account in the business portal. I checked on the report from the escrow 's company. Beyond company have numbers of the money subtracted XXXX dollar. The discrepancy is That they only have resolved XXXX accounts ; XXXX for XXXX and the other for XXXX. The last account is not under my name. I talked to them about the issue and they never respond back to me. I have try to resolve this and find out about the money and they not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint pertains to an inability to get information on the following : 1. Errors in employment screening that ( may ) lead to a job offer loss, 2. Refusal of consumer reporting company to provide further details about the source of their inaccurate data, 3. Refusal of consumer reporting company to correct. 

On XX/XX/2022 I received a job offer, which I accepted, to work for a company in a salaried/benefited position. That company secured the services of XXXX, run by Checkr , Inc., to provide them with pre-employment background screening on me. XXXX XXXX XXXX XXXX XXXX very familiar with the use of AI and other automated technologies in background checks and the massive amount of data errors that are prevalent in consumer data files with almost impossible ability to correct data errors. 

I perceive that their AI-driven background " verification '' process has confused my company, XXXX XXXX  XXXX XXXX with XXXX XXXX  XXXX XXXX. The only connection is the letter combination, " XXXX '' which leads me to believe that there was no actual human verification that occurred and instead, an automated system resulted in a mismatch and potential loss of a job. 

In this instance, I was told by XXXX customer service staff on XX/XX/2022 that their " verifiers '' connected me to an employer phone number they decided was more credible than the number I provided them with therefore, they called this other number to verify my employment. I have never heard of this company, never worked for them. XXXX said " well, our verifiers found this information from XXXX '' which from a best practices standard, any data on the internet is suspect and has to be verified by a human, not a bot. 

I requested they provide me with the source of information they " verified '' that shows the inaccurate employment connection, requested confirmation of internal controls that have audit traces connected to candidate 's background check portals to ensure no information was adulterated by staff or anyone else who had access to my candidate file, and requested a full copy of their background report. They put me on hold for a few minutes and said " someone from our legal department will call you ''. No call received. 

Specializing in what I do, I ran a complete and comprehensive background report on myself to see if there was any possibility of a credible, explainable connection between myself and this data they claimed was " verified ''. There was not. No phone numbers, no employment, no shared associations, nothing. 

The employment data I entered into their portal to run matches my comprehensive background check data. XXXX, run by Checkr , Inc., can not and has not cooperated in resolving this matter and in the meantime, I have approximatley 24 hours before my employment offer is rescinded based upon not being able to verify my employment history, through XXXX data reports.
Product: Credit reporting or other personal consumer reports

These accounts are reporting late as reported in my XXXX Credit bureaus. These accounts should not be showing the current status of 30 and 60 days late since its already been paid for. It seems impossible to accrue late on an accounts that hae already been paid. Please report the payment status positive and update all late from reporting on these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery is calling me daily and on Sundays. They call from different numbers and different places in Pennsylvania. They will NOT leave a message or give me any needed information. I don't know if they're a real company or not. They won't say who they're representing. I get just a 1st name from the caller. The Phone ID gives me the " Company Name ''. 
I feel this is very harassing and suspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being financially impacted by XXXX  I have been struggling lately to open a bank account and keep my XXXX  account paid for with the premium protection and no later than not even XXXXwo months of not paying for that premium protection and having my credit monitored all of a sudden my good standing credit accounts reporting delinquencys in my payment and close my account. I immediately notified the bureaus I filed my disputes and it started changing my information as I did a dark web scan with my premium membership experien was able to detect that my phone number and my email address were being hacked into and distributed across the dark web leaving me to become a victim of identity theft and thus having my good standing accounts being frighted sadly to say the good credit that I was building has taken a huge plumbing and due to the fair credit reporting act I dont feel that this is fair nor is it accurate as Ive always made my payments. I plan to take this further with the merchants themselves however as far as the bureaus are concerned it is their job to report accurately and fairly and due to the current fair credit reporting act this is not fair and I want my credit back to you its good standing immediately
Product: Credit reporting or other personal consumer reports

This is my second 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 items. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have sent multiple request for an unverified account to be reported correctly or removed from my credit report. I have sent notice to XXXX and XXXX both reporting information inaccurately. I have verifiable proof that XXXX  has lapsed the 30 day timeframe to investigate this issue and still reporting as accurate. I demand this be removed immediately!
Product: Credit reporting or other personal consumer reports

On XXXX, I sent a letter to your company informing you that there was an account missing from my credit report that should be reporting. The account is XXXX XXXX XXXX  XXXX Authorized user ; Credit limit {$30000.00} ; Open date XX/XX/XXXX ; Contact XXXX. This affecting my credit as you know by not having this opened account report to all 3 credit reporting agencies. XXXX is reporting this account, so I am confused why Transunion and XXXX have failed to update my consumer report. I am requesting that you please include the additional information attached to my credit history report. I am an authorized user on a XXXX XXXX card for my family member and you are not reporting this information. You may verify this information with the source, and I have included their contact details. According to the Fair Credit Reporting Act ( FCRA ), Section 602 ( b ), I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my positive payment history be added.
Product: Mortgage

I had several calls with Freedom mortgage and email exchanges since XX/XX/XXXX to get Freedom Mortgage to lower my monthly payment due to overpayment of escrow for property taxes. We were not getting the Principal Residence Exemption ( PRE ) from the County and the error was corrected in early XX/XX/year>. It is notated on the county website that we were not receiving PRE and were paying {$4200.00} more per year than we should have. The county refunded our over payment and adjusted the taxes lower. Freedom mortgage refuses to acknowledge the PRE and the lower taxes. Freedom mortgage has even raised my payment and informed me of a shortfall which there is not. My next monthly payment is XX/XX/year> and Freedom mortgage needs to adjust my payment and correct my escrow analysis.
Product: Mortgage

I submitted a complaint on XX/XX/XXXX case number ( XXXX ) in which Banco Popular answered to XXXX CFPB saying that they tried to reach me on several ocasions which is a lie. I called like they instructed me before XX/XX/XXXX in which XXXX XXXX XXXX who is encharge of my loss mitigation process told me to wait for his call that we were going to be signing the documents at the begining of XXXX. Banco Popular has never contacted me. I was contacted by XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to be exact in concern with the loan modification papers because she is the loan officer from XXXX and havent received the loan modification papers. Now the Court wants to remove me and my family from my house. I want CFPB to not accept any explanation from Banco Popular. Get from Banco Popular The name of the Manger of the bank and tell CFPB a date when I am suppose to be at the Banco Popular. For me to get a contact number in CFPB for that same date for me to call. Banco Popular hasnt allow me to keep on making my monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account opened through XXXX XXXX was initially disputed as fraud on XX/XX/2017. To date, the account is still under investigation and continues to report a delinquent account to XXXX XXXX 's credit histories.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is improperly reporting an invalid credit report from XXXX XXXX XXXX whom XXXX sold an invalid invoice in my name. I have already attempted to resolve the issue with both XXXX and Experien, and neither will cooperate in removing the invalid report. Please remove this from my record and hold XXXX, XXXX, and Experian accountable. As a consequence of this fraudulent report, my credit score has dropped over XXXX points and I am unable to procure necessary financing to live my life.
Product: Mortgage

My wife and I have  XXXX  mortgages on rental townhouses both initiated at the same time ( on or about  X/X/2016    ) with  XXXX   XXXX   XXXX   XXXX   (    XXXX   XXXX   XXXX   XXXX  , NC  XXXX  ). During signing, it was disclosed that the loan servicer would be Dovenmuehle Mortgage (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Illinois  XXXX  ). We have paid on time and are current on both mortgages. I am have never filed bankruptcy and we always pay on time for all our debts.     However, it recently came to my attention that while we were receiving electronic statements on one of the mortgages, we were not on the other. Believing this was an error, I contacted the company by phone today and spoke with a customer service agent as well as a supervisor, both of whom stated they are unable to and would not provide monthly statements on the mortgage. The reasoning they gave was because the loan was " set up to be paid with a coupon. '' Even though both loans were setup the same way and that a coupon book payment has no bearing on their responsibility to provide a statement, they insisted it would not happen. They even went so far as to say that statements I had received on the other mortgage were in error and would stop after they fixed the problem!     This is in violation  12 CFR Part 1026 ( Regulation Z ) which requires that a mortgage company provide timely statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed a late payment on XX/XX/XXXX for the cash magnet card ending in XXXX. I did not receive a written notice concerning this payment within 21 days of the billing statement. This {$5.00} late payment is adverse to me as the consumer and violates my privacy according to the cares and by law. I am trying to get this payment updated before going to arbitration to settle the dispute.