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

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I sent Capital One two Legal Notices, and two Promissory Notes, via Priority Mail, that they received on XXXX, 2017, Tracking Number : XXXX. 
The Legal Notices and Promissory Notes were for accounts ending in XXXX and XXXX ; I specified that the Promissory Note is Legal Tender, and a Negotiable Instrument in line with the Uniform Commercial Code, and the GAAP, ( Generally Accepted Accounting Principles ) which are the guidelines that banks are supposed to abide by. 
XXXX XXXX XXXX failed to take action on my Negotiable Instrument in the allotted time allowed by law and is refusing to except my Negotiable Instrument as Legal Tender to satisfy and discharge the debt that I had with them, in spite of what the law says. 
UCC 4-302 States, that if a Bank retains a negotiable instrument without taking action on it by XXXX of the following banking day on which it receives the item, the Bank becomes accountable for the full amount of the item. 
UCC Article 3- Negotiable Instruments Part 6. Discharge and Payment & 3-603. Tender of Payment, States ( b ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, and tender is refused, there is discharge, to the extent of the amount of the tender.
Product: Debt collection

I am writing to formally dispute inaccurate information appearing on my credit report. Specifically, this concerns an account listed under Calvary Portfolio Services. 

The debt associated with this account has been fully paid off, and Calvary Portfolio Services is attempting to collect the same debt twice. Reporting the same debt twice is both inaccurate and misleading, and such practices are prohibited under federal and state consumer protection laws. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are forbidden from engaging in deceptive, unfair, or misleading practices, including attempting to collect a debt that has already been paid. Double reporting or attempts to collect on the same debt are violations of these laws. 

Additionally, courts have consistently ruled that attempting to collect on a debt that has already been paid constitutes unjust enrichment and would not be enforceable in court. Judges regularly dismiss cases where evidence proves that a debt has been satisfied. Calvary Portfolio Services ' continued reporting of this debt is not only unlawful but would also be considered baseless if brought before a judge. 

Therefore, I am requesting the following : That this inaccurate account be immediately removed from my credit report. 
That all collection actions related to this debt by Calvary Portfolio Services be stopped immediately. 

Enclosed, I have included the following documents to assist with your investigation : Proof of payment for the disputed account Correspondence with Calvary Portfolio Services regarding this issue The company had refused to remove the debt, and continues to attempt to collect on the debt, even though the debt has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed some unauthorized inquires reporting and It really impacted my score. These companies have not responded with any updates on the investigation. I have took matters into my own hands and filed a complaint through the FTC. The report number is XXXX This goes against the FCRA guidelines. I need these removed so I can actually apply for a line of credit on my own. Having these inquiries reporting are hindering and will make it really hard for me to get approved. I have attached my identity theft report along with my identity documents for verification.
Product: Payday loan, title loan, personal loan, or advance loan

This complaint concerns Concord loan # XXXX. At time of loan approval ( XX/XX/XXXX ), I was informed Concord would be contacting me with further information about loan financing and when payments would be due. 
I did not receive any loan information, billing statements, or other form of written communication from Concord over the following year. Not having information on when the loan needed to be paid to avoid interest charges, I made contact with a Concord representative via phone on XX/XX/XXXX. I requested information on my account, inclusive of when payments were due and whether there was any on-line system where additional information might be available. 
Once this was provided, I was able to establish an account and access my loan information. I then paid the original loan amount of {$29000.00} in full on XX/XX/XXXX payment confirmation # XXXX. 

On XX/XX/XXXX I received the first written correspondence concerning this loan from a Concord-related company, Concord Servicing LLC , a debt collector. That correspondence was postmarked XX/XX/XXXX in XXXX XXXX, FL and indicated an amount due of {$29000.00}. Please reference the attached file XXXX. 

On XX/XX/XXXX I received the first written correspondence from Concord concerning this loan. That correspondence was titled Billing Statement for account # XXXX and was postmarked XX/XX/XXXX in XXXX XXXX, FL. It indicated a Principal Balance of {$29000.00} and a Deferred Interest Balance of {$5200.00}. Please reference the attached file XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and XXXX  Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account opened at XXXX XXXX. on XX/XX/XXXX Account number ( XXXX ) a credit card opened at at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card Opened at XXXX/XXXX  on XX/XX/XXXX Account number ( XXXX ), credit card Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX on XX/XX/XXXX Account number XXXX, A credit card XXXX  XXXX on XX/XX/XXXX account number ( XXXX ). A credit card account XXXX on XX/XX/XXXX Account number ( XXXX ). A bankruptcy public record account US DIST CT on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have been seeking assistance with a mortgage modification due to the 60 % increase in my payment about 6 months ago. I began this process XX/XX/XXXX once I received notice of my increased mortgage payment. Keep in mind the payment increase has nothing to do with the taxes or insurance because I pay those separately. Unfortunately, my single point of contact has changed 5 times over this 7 month period and I am afraid neither of them can claim XXXX as their primary language. I have scheduled appointments with them every 7-14 days however their requests for supporting documentation change each time. To provide an example, on XX/XX/XXXX, I spoke to XXXX who advised me my file is with underwriting and they just need my signature on XXXX pages. He offered to email the PDF document to me where I can sign digitally and then they can proceed with the review. I received the email the following day, performed the digital signature and submitted it the same day I received it. My next appointment was scheduled for XX/XX/XXXX. Suddenly on XX/XX/XXXX I was called by a different " '' single point of contact '' who advised me to provide the 2 most recent paystubs, a profit and loss report from XX/XX/XXXX through XX/XX/XXXX, section XXXX of the hardship application, section XXXX, section XXXX and section XXXX. I asked her why each contact creates a request for new documentation and she said these items have expired. I advised her everything was complete just two weeks ago and now it feels like I am starting over. This has been the case for the past 7 months and I am at a point where I can no longer play this game. I get the impression they have no desire to assist and just perpetually ask for new documentation until the old documentation has expired and then start over with requests for the expired documentation until the borrower finally gives up. 
I realize that I am the ignorant consumer who signed up for this exotic interest-only ARM near the peak of predatory lending in XX/XX/XXXX but I am not asking for Ocwen 's investor to take a loss through a short sale. Ever since the 60 % payment increase I have been able to keep my mortgage paid on time although I typically exhaust the full grace period. I am anticipating a $ XXXX tax bill to the IRS this year and really need to resolve my mortgage problem in order to afford a payment plan with the IRS.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand to Equifax for the immediate removal of the inaccurate and fraudulent account from Kikoff Lending, Account No : XXXX, from my Equifax credit report. This account is being inaccurately reported with late payments for XX/XX/year> and XX/XX/year>, which violates FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ). This section explicitly states that a consumer report does not include information solely regarding payment history or utilization between the individual and the company making the report. As such, the reporting of these late payments is in direct violation of federal law, and I demand their immediate removal.

In addition, under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that Equifax block this information as it is fraudulent and negatively impacting my credit report. By law, you are required to block this information within 4 business days upon receipt of this request if it is determined to be the result of fraud or identity theft.

Furthermore, under FCRA 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information they report. The information Equifax is reporting is both inaccurate and unverifiable. As required by FCRA 1681i ( a ) ( 1 ) ( A ), inaccurate or unverifiable information must be corrected or deleted from my credit report within 30 days. Given the harm caused by this false reporting, I demand the removal of this account and any associated derogatory information within 14 days of receiving this letter. 

Failure to comply with my request for removal will be considered a willful violation of FCRA 1681n, which entitles me to statutory and punitive damages for noncompliance. I will take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

I expect full compliance and a written confirmation that this account and any associated derogatory remarks have been removed from my Equifax credit report within 14 days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting a bankruptcy on my credit report for quite some time. I have sent them correct information with requests to validate and verify with the US Bankruptcy Court of XXXX  Illinois and provide proof based on the right 's given to me under Sections 610 ( A ) ( 1 ), 605, 609 & 623 of the FCRA. Experian 's response was a claim  that they certified the information was reporting accurately. They NEVER sent the proof I requested so I contacted the Bankruptcy court requesting to see this information that Experian claims to have verified. The Bankruptcy court sent a letter stating that they DO NOT perform ANY activities with the credit bureaus. I sent that letter to Experian explaining that they are still reporting information that has NOT been properly verified and based on FCRA Sections 611 ( 5 ) ( A ) & 1681 ( A ) ( 4 ) the information they are  reporting must be deleted. I called Experian on a couple occasions and have been disconnected when asking to receive the information they claim to have verified. My last conversation was with a gentleman named XXXX from Arkansas on XX/XX/17.  XXXX was informative. He claims that Experian verified the information ; although, company policy could not let them share the alleged verification due to company policies. He stated that the info was viewed from a website but could not comment nor verify to the accuracy nor the source of the alleged website, which again is my right and their responsibility based on FCRA Section 610 ( A ) ( 1 ). I have notarized documents that  Child Support Enforcement has in their possession, which shows they have reported inaccurate information. So I am very confused how Experian can certify and still report this inaccurate information. 

I have been attempting to resolve this matter with Experian through mail, phone calls and various documentation and have not had any success. Please have this credit bureau remove the improper and unverified blemishes from my credit report. 

Thanks!
Product: Mortgage

We recently refinanced our VA mortgage with NewRez. It has thus far been a terrible experience and I would rather be paying higher interest than dealing with them. I got laid off due to covid. We sent the online request form for assistance. We did not hear back. Called and waiting over an hour on hold. Was told they would cancel our autopay and someone would get back to us within two days. Did not hear back and they still ran our payment. Called again, waited an hour on hold again. Was told someone would get back to us within a few days. Was told to call someone else for reversal of payment they processes. Waited on hold again. Has been almost two weeks and payment has not been reversed. We got a letter in the mail saying we were approved for forbearance for 3 months and after 60 days would be re-evaluated for options. Website says this will not impact credit and says loan terms can be adjusted as an option to make up missed payments ... all sounds ok. Yesterday we got a letter from ShellPoint, who does loss mitigation. The letter states they decided that we dont qualify for hardship and they believe we have the financial resources to keep current with our mortgage. The letter states we are granted forbearance but will be reported as delinquent on our credit report and will still owe the sum of missed payments at the end of the 3 months. It states they decided we dont qualify for loan modification and our options are short sale or foreclosure. 
Based off the CARES act and VA guidelines what theyre doing is totally unethical, illegal, and displays bully tactics during which they are clearly trying to force us into short sale or foreclosure. How they made the determination that we do not have hardship is not only false, its without any justification. I called both new Rez and ShellPoint yesterday, waited on hold an hour again, and was not given any answers, just told to call back. I am now spending entire days trying to rework our finances to avoid having to enter forbearance on the mortgage because with what theyre doing, its not even worth missing payments
Product: Money transfer, virtual currency, or money service

PayPal made my remaining Account balance available for me to withdraw as 180 days had passed since my Account was limited and they notified me of this decision via email. Thank you.
Product: Checking or savings account

I signed and returned a job offer, submitted a w-2, I-9 and copies of my drivers license as part of the onboarding process. I was emailed a check to purchase supplies and equipment needed for my 'remote ' position. Because I had never received a check via email, I called my bank and asked them to verify the check before releasing the funds. I was assured that this would be done and that the money would not be released if fraud was suspected. The next day, the funds were available in my account, so I proceeded to use them as directed by my hiring Manager -- to send various amounts of money to specific individuals for other equipment and software, etc. I even went into the bank to get a new debit card to ensure proper allocation of the funds. 
I received a second check, also via email, which was to cover my training pay, and to purchase some items locally. It was while waiting for the second check to clear, that I was notified that the first check had been fraud, and the second check would not be cashed. I informed my hiring Manager, and of course, all contact ceased. I asked the bank if they wanted screenshots and/or copies of documents I had in my possession, but they declined. i also asked if I should file a police report, but they said it wasn't necessary. On XX/XX/year>, I received a demand for payment for the funds released for the first check. I was told my account has been closed, and if I do not pay, I will be added to chex-something, that will make it difficult for me to open bank accounts in the future. I was the victim of fraud and have the documents to prove it, but the bank does not seem interested. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for a Fraud account on my Transunion credit report. It took over 30 days I have two still being investigated and two were removed. Transunion then dropped my credit score my 64 points after they removed the 2 disputed items in collections. This is the only Credit agency that dropped my score after removing the fraud accounts which should've increased not decreased the score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are.

I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15U.S.C.Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts XXXX XXXX XXXX : Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report XXXX XXXX XXXX XXXX : Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXXXXXX XXXX XXXX Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX : Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX I also read where I can get the updated report after you investigate this from the Free Lawyer guy. 
Could you please send it to me Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Opened XXXX. XXXX, 2016. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.
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 items 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 XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.