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

I am writing to dispute a account that XXXX XXXX XXXX that was recently reported on my credit report. I obtained a copy of my credit report and noticed that [ XXXX XXXX XXXX ] has reported Opened XXXX payment for the account that is incorrect and i have knowledge of this account Upon reviewing my records, I do not recognize this collection account and believe there may have been an error in its reporting. I request that you conduct a thorough investigation into this matter and provide me with documentation verifying the validity of this debt, including but not limited to : Proof of the original debt, including the name of the original creditor and the account number.

Documentation showing that the collection agency has the legal right to collect on this debt.

Verification of the dates of the debt, including the date of first delinquency and any subsequent activity.

I also request that you provide me with the name and contact information of the original creditor associated with this collection account.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. I trust that you will conduct a thorough investigation and provide me with the necessary documentation to validate the legitimacy of this collection account. 

Please inform me in writing of the results of your investigation and any actions taken to correct the error on my credit report. You can reach me at XXXX or XXXX if you require any further information. 

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

On XX/XX/2021 I entered into a contract of sale for a condo unit through my realtor XXXX XXXX XXXX of XXXX XXXX in XXXX county NJ. I supplied the contract to my loan Originator XXXX XXXX of Amerisave Mortgage. XXXX XXXX had emailed me he would attach the property to my loan file and would begin the loan process. Everything progressed as it should. The mortgage scheduled a FHA approved appraiser, the cost would come out of my application fee of {$500.00}. Under the advice from my attorney and from Mr. XXXX, our loan Originator, my wife and I pulled out the money from a retirement account for closing costs on the condo because we needed to advance our escrow deposit. The amount was {$20000.00} to roll into a new investment, the new condo. My home inspection cost {$750.00}. 
Not one time through the whole process did any representatives from Amerisave state the condo was not FHA qualified. All inspections and appraisal were completed and we moved to close on XX/XX/2021. On XX/XX/2021 I received a email from my loan officer XXXX XXXX telling me that the condo in question was not qualified for my loan type and they would not be able to approve the loan. 
My complaint is that Amerisave Mortgage Corp. Loan Originator XXXX XXXX , his staff and other Amerisave representatives had done their due diligence in vetting the property prior to my out of pocket cost. They allowed this loan to proceed, not insuring the condo matched the qualifying factors of my loan type. This mis-step has cost me an out of pocket expense of {$1200.00}. We also pulled funding from a retirement account, {$20000.00}. This will cause us to be charge a early withdraw penalty of 10 percent of the total withdrawn amount on top of the 10 percent ( {$2000.00} ) for taxes at withdrawal.. Had Amerisave 's loan originator and underwriting staff done the due diligence s and properly vetted this property, this purchase would not have been initiated and would have avoided causing my family monetary damages and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, XXXX XXXX XXXX and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Product: Debt collection

Im not liable for this debt with XXXX XXXX. I do not have a contract with the collection agency trying to collect and report to my credit. I did not sign any paperwork with this collection agency stating that i will pay them or owe them any money. I do not have a contract with Hunter Warfield and they did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine.
Product: Debt collection

Credit Collection Service ( CCS ) has put a collection item on my credit report. I have never received services/contract with them. They refuse to furnish me with a contract for goods/services that I received from them. How can I pay for something that legally I don't owe?
Product: Checking or savings account

Dear Sir, RE : PLANNED CLOSURE OF MY ACCOUNT ON XX/XX/2021. 

I was notified by Huntington National Bank that my account will be closed on XX/XX/2021. 

Huntington bank has been helping me receive my paychecks and do other transaction for close to four years and the bank has been there for me at this difficult pandemic time. I don't know, but I have not bleached any of the Banks procedures/ regulations that I know of, and I do believe sir, that the operations department may have misunderstood the facts of a situation or made a mistake. Resolving to close my account at this time make me feel deeply hurt. There is so much challenges at this time and adding Clossure of my account to my difficulties will be too much for me to handle. 

I humbly request sir, that you should please use your good office to kindly intervene and possibly remedy this situation for me. 

Thanking you in anticipation for your help. 

Yours Sincerely,
Product: Credit reporting or other personal consumer reports

I've had several cards with Capital One and at least XXXX I believe and there were thefts that occurred and they found them in my favor in reverse the charges... Remove it but refuse to remove the delinquencies associated with the theft. They're reporting that I was delinquent and that is not correct as I shouldn't be he'll responsible for paying on charges that were not mine.
Product: Credit reporting

I have had a credit card account submitted to credit reporting agency Equifax by XXXX XXXX. I have been trying to clean up my credit and report and stirred up XXXX they called me trying to collect on a debt ... when I told them I did not have a way to pay them any money due to no work and being diagnosed with XXXX and XXXX the lady hung up on me then when I looked at my credit report that same day information was very confusing to say the least ... .the account was removed, then it is n't, then im nearing credit limit and then I am XXXX % utilization which would mean I 'm over drawn, then the account is open, then its closed ... how can this be a good practice ... .I am very confused as to why they can play around with information in this way. To say the least the lady who called me was very rude.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB, This is my final complaint regarding Equifax, which has failed to comply with my previous dispute concerning the XXXX XXXX XXXX account. 

XXXX and XXXX have complied and removed this account. 

Equifax has refused to comply, continuing to report this inaccurate and damaging information. 

My initial dispute was submitted on XX/XX/year>, and as of today, XX/XX/year>, XXXX business days have passed. 

Equifax has XXXX business days remaining to comply with federal law before officially violating the FCRAs required timeframe. 

Ongoing FCRA Violations by Equifax 1. Failure to Investigate & Correct Errors ( 15 U.S.C. 1681i ( a ) ) Equifax has failed to verify or remove the inaccurate XXXX XXXX Services account within the required timeframe. 

2. Reporting False Information ( 15 U.S.C. 1681e ( b ) ) This account should not be on my report, yet Equifax continues to report knowingly false information, damaging my credit.

3. Unfair & Deceptive Practices ( 15 U.S.C. 45 FTC Act ) Equifax is willfully engaging in unfair and deceptive practices by knowingly reporting false information after multiple disputes.

Requested Action I demand that Equifax remove this inaccurate account immediately and provide written confirmation within 3 business days, by XX/XX/year>. If Equifax fails to comply, I will pursue additional legal action, including filing complaints with the FTC, Attorney General, and potential legal claims for damages. 

Please take immediate action to enforce compliance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Target is reporting on my credit report a credit car I never open whit a different social y ready dispute this account with the credit bureau but when they send the paperwork to target they keep saying that account is mine, but when I called them and I provide the account number that is shown in my credit report, they can give me any information because theyre saying that account is no under my social.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer as defined under the FCRA. Navy Federal, XXXX, XXXX, and XXXX are financial institutions as defined under 15 USC 6827. None of these companies ever provided me with the adequate disclosures required by law of my rights to privacy and to opt out of sharing my non public information ( Non public information is .Any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; C any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or C any information you get about an individual in connection with providing a -5- financial product or service ( for example, information from court records or from a consumer report ). It is their duty to give me these disclosures clearly and conspicuously in accordance with federal law. In the case FTC XXXX XXXX XXXX further proves the above entities are financial institutions and are to comply with the disclosure requirements under GLBA. The case further stated ; The GLBA restricts the ability of a " financial institution '' to disclose NPI to a nonaffiliated third party by requiring ( subject to certain exceptions not pertinent here ) that the financial institution provide the consumer with notice of the institution 's disclosure policies and the opportunity for the consumer to " opt out '' of disclosure. Id. 6802 ( a ) - ( b ), ( e ). The GLBA further mandates that an unaffiliated third party recipient of NPI " shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. '' Id. 6802 ( c ). 
AS STATED BEFORE I HAVE NEVER RECEIVED THESE DISCLOSURES OF MY RIGHTS TO PRIVACY AND TO OPT OUT. THESE COMPANIES ARE EXTORTING AND COERCING COMSUMERS TO PAY ALLEGED DEBTS AND HARMING THEIR REPUTATION. 
Lastly, I spoke to several reps at XXXX today who claim they do not have to comply with that law, and for me to contact navy to get the information removed. When I called NFCU they told me to call the CRA to get it removed because they can not. They are all in cahoots to deceive consumers as they have been doing for decades. 

See the attached cease and desist to remove my information. Immediately upon receipt.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$520.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is currently showing serious delinquencies for periods during which I have previously requested a forbearance. Specifically these periods are : -  XXXX  thru   XXXX   XXXX   ; -  XXXX  thru   XXXX   XXXX  .     I have written to the lender many occasions and have not received a response.
Product: Debt collection

XXXX XXXX XXXX reported to the creditors XX/XX/2016 for a auto loan for XXXX on my credit report PACIFIC CREDIT EXCHANGE bought my collections from XXXX XXXX and its reporting on my credit report twice same amount different names I do not have a contract with pacific credit exchange. they did not provide me with the original contract as I requested 6 months ago
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed dispute with credit bureau with proof, disputed items was deleted from XXXX. I was denied housing, and received a copy of the furnisher of such recent derogatory reporting. Upon receipt of my credit file I noticed XXXX XXXX continuous updating of erroneous derogatory information to reduce my score, Experian will not allow any further disputes from me via web based on what XXXX XXXX says is correct. 

XXXX XXXX is aware of my dispute regarding fraudulent charges statement paid to a 3rd party without my authorization for savings account in their records posed as an auto loan. Please be advised I was not a member of XXXX XXXX which is a financial institution for teachers employed in XXXX   County, Virginia.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX  account ( account # XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report , and has been well over 4 days since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a Identity Theft report from FTC to XXXX  Credit Bureau. Regarding two accounts that are reporting on my Credit file that are due to identity theft. This has been going on since 2019, and they refuse to remove these two accounts. I have requested on several attempts for them to please sent me their METHOD of how this investigation is coming back as verified? I have not received any documentation, signatures nor ID on file. I have sent in several disputes by Mail, Disputes online with the attached Identity theft reports and they refuse to further investigation and remove the accounts. I did not open these accounts and they refuse to remove these. 

from my understanding by law once I have turned in this Police/ Identity theft report, they are automatically supposed to remove those Fraudulent accounts. I am demanding that you CFPB have XXXX   to remove these accounts or Legal action under the FCRA act will be taken in place and I will have my legal counsel to begin the process of suing XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not know how to categorize this complaint. This is in regard to the Equifax security breach that happened somewhere between XXXX and XXXX, but was not reported to consumers until XXXX. I am one of the MILLIONS of consumers whose data may have been breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX  ( Original Creditor : XXXX THE XXXX ) XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$220.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX XXXX {$420.00} ; XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy inaccuracies on my credit report numerous times from XXXX and XXXX. And the results remain the same as verified from Lexis Nexis. So I contacted LexisNexis and requested my public consumer report and there is no bankruptcy on there. I even called LexisNexis and they confirmed this as well. My question is ; if reporting is done monthly, and there's nothing on my report from LexisNexis how is that fair in verification? This is hurting my credit and needs to be removed. It is not valid. Furthermore, bankruptcy does not report to credit bureaus and LexisNexis doesn't have a bankruptcy on my file. Where is this validation coming from. The two bureaus will not remove this. This should be illegal, or some sort of violation.
Product: Mortgage

My home mortgage loan was with XXXX XXXX -- a terrible company. They sold it off to an even worse company called Mr. Cooper. The transition did not go smoothly and despite my due diligence and responsiveness, I was receiving numerous alerts from Mr. Cooper. When I tried to contact them, it's impossible by phone or email. At any rate, my complaint is that they inundate me with what I feel are predatory lending emails : Daily, they tell me to take out loans against my equity... I worry that they are preying on people who need money and will respond to their non-stop marketing campaigns. I have asked numerous times to be taken off their marketing email list to no avail. I hit " UNSUBSCRIBE '' over and over again and yet these marketing emails telling me I can get loans against the equity in my home persist. I am reporting this company. I do not like or trust them. I do not want my mortgage with them. Taxpayers in the U.S. should be able to move their loans. It's despicable that XXXX XXXX ( who I didn't originate my loan with ) sold it off to Mr. Cooper. I had no choice and I am now stuck with this horrific, predatory company.
Product: Credit reporting or other personal consumer reports

Bought a car from US Auto sales in XXXX of XXXX. Car started messing up and then found out the service warranty I purchased was never funded. Then the engine went out so I did a voluntary repossession because they would not honor a warranty. Then in XX/XX/XXXX they filed for bankruptcy and sold the loans to Westlake Portfolio Management. 
US Auto Financial is the lienholder on my title. US Auto also breached the terms of my contract by not funding the warranty contract with XXXX. They are also suing US Auto and Westlake for breach of contract. As of today my credit report is inaccurate. Balance is wrong, original creditor is wrong, XXXX is wrong and there are no payments listed from XX/XX/XXXX to XX/XX/XXXX. Westlake is in violation of XXXX for reporting false information. Westlake Portfolio Management needs to be REMOVED from my report for inaccuracies. They are still reporting on my credit report. 
They are still harrassing me with letters and phone calls wanting payments. I don't feel like I should pay seeing as how my contract with US Auto has been canceled due to breach of contract. The original contract that Westlake tried to send me as proof still has US Auto on it. NOT Westlake.
Product: Debt collection

Dear DISCOVER BANK ; not mine account. I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.