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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. This Account is in violation of 15 U.S. code 1681A ( XXXX ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX Case Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

On either XXXX/XXXX/24 I lost my phone along with my Wells Fargo bank card and thats when fraud began using my bank. 
XXXX/XXXX/24 my card was used at am Wells Fargo atm for the amount of XXXX $ XX/XX//24 my card was used again at an atm for XXXX $ XXXX/XXXX/24 my card was used at XX/XX/XXXX for {$200.00} XX/XX/24 my card was used at an ATM for {$200.00} XX/XX/XXXX/24 {$3.00} XX/XX//24 {$200.00} non Wells Fargo atm XXXX/XXXX/24 {$3.00} XXXX/XXXX/24 {$200.00} non Wells Fargo atm XX/XX/24 {$3.00} XX/XX/24 {$200.00} non Wells Fargo atm XX/XX//24 {$3.00} XX/XX/24 {$100.00} non Wells Fargo atm XXXX/XXXX/24 {$3.00} XX/XX//24 {$1000.00} Wells Fargo atm XX/XX//24 {$100.00} XXXX XXXX/XXXX/24 {$1000.00} Wells Fargo atm XX/XX/24 {$1000.00} Wells Fargo atm XXXX/XXXX/24 {$1000.00} Wells Fargo atm XXXX/XXXX/24 {$200.00} XXXX XX/XX//24 {$200.00} XX/XX/24 {$1000.00} Wells Fargo ATM XX/XX/24 {$1000.00} Wells Fargo atm XX/XX//24 {$1000.00} Wells Fargo atm XX/XX//24 {$770.00} atm
Product: Credit reporting or other personal consumer reports

Experian hass infomation on my report that i did not consent this company to report. I have ask them to remove credit colletions, old address and telephone numbers that I don't associate with my current address. I ask to remove XXXXXXXX XXXX XXXXXXXX. XXXX XXXX, and XXXX XXXX XXXX, if they are charged off then they should not report on my credit without my consent.
Product: Credit reporting

I have been trying to receive my credit report and credit score for the past two years and all I receive is statements saying I am not the person or incorrect information. I have been denied my report from all XXXX credit bureaus and am confused on why.I have had my drivers license suspended and other issues I have reported and everyone does n't believe I am me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, WA, XXXX ; XXXX XXXX XXXX  XXXX  XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX  XXXX XXXX, XXXX, WA, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 2022
Product: Debt collection

I moved to The XXXX on XXXX in XXXX, Ohio in XXXX, XXXX. They are owned by XXXX XXXX XXXX. I broke my lease and moved out XX/XX/XXXX to relocate out of state with my employer. I have email correspondence with myself and the then property manager who is no longer with the company saying that they had found a new tenant and that I would only need to pay a pro rated rent amount for XXXX. I never received a bill regarding this. 

In XXXX, XXXX I moved to a new city and my current landlord reached out to The XXXX on XXXX to do a typical rent history check. They never mentioned anything about past due rent to him. Several weeks later I was contacted by a collections agency regarding past due rent for The XXXX on XXXX of {$2100.00}. My regular rent there was {$1300.00}. {$2100.00} is not pro rated. He informed me that this was for 2 months past due rent ( which is also incorrect ). I disputed this and sent him the emails between myself and the then property manager regarding the pro rated rent. The collections agency never contacted me again so I assumed the issue was resolved as I had submitted proof. 

I am relocating out of state again in XXXX, XXXX and applied for a new apartment. The rental agency informed me there was a collection for past due rent at The XXXX on XXXX. I reached out to the collection agency to dispute this as well as The XXXX on XXXX. My efforts to have a conversation with the new property manager,  XXXX, were dismissed as he talked over me and did not really give me a chance to speak. I told him I wanted to send him the email correspondence between myself and the former property manager. He said he would like to see it. He spoke with his colleague and they agreed that I was not entitled to anything that was written in the previous emails and went on to say that I had corresponded with the previous property XXXX past XXXX, XXXX. This is false, I believe whatever alleged emails they have between myself and the former property manager ( which they will not allow me see ) have been tampered with and/or do not exist at all. 

Important things to note : - I never heard anything further from the first collection agency regarding this once I submitted my proof. 

- This has been with the current collection agency since XXXX, XXXX. I have not received any correspondence or voice messages about this. I have however, received random calls from unknown or blocked numbers that NEVER leave a message which I later found out were from this current collection agency, Hunter Warfield. There were never any messages or written correspondence left. This is a violation of FDCPA rules. 

- I have had an unblemished rental history since XXXX when I first started renting and my current landlord can attest to my on time rental payments. I move for work quite often and there has never been an issue on me paying rent until a new tenant is found. Especially since I am usually moving 100 miles or more because of work. The XXXX on XXXX has been the only issue. 

- I am not disputing that I owe The View on XXXX, I am disputing the amount given the correspondence between myself and the then property manager.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$5200.00}, XXXX XXXX {$12000.00}, XXXX  XXXX Balance {$96.00}, XXXX XXXX  XXXX {$470.00}, XXXX  XXXX Balance {$290.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have written the 3 bureaus to investigate and remove XXXX XXXX XXXX XXXX XXXX XXXX from my credit file, I never gave them written permission to furnish this information on my credit report. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX 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 an 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. 
I am requesting the following specific information related to your investigation : Proof of Investigation : Please provide documentation or records showing the steps taken during the investigation process to validate the accuracy of this account.

Parties Investigated : Please specify the entities or individuals that were investigated in connection with this account, including the creditor and any other relevant parties.

Investigation Timeline : Provide a detailed timeline of when the investigation was initiated, conducted, and concluded. 
It is essential for me to have access to this information to ensure that the reporting of this account on my credit report is accurate and complies with the Fair Credit Reporting Act ( FCRA ). 
I understand that you have a legal obligation to respond to this request within 30 days of receipt, as per the FCRA. If you can not provide the requested documentation within this timeframe or if you find that the account is not verifiable, I request that you delete the account from my credit report immediately. 
I appreciate your prompt attention to this matter and your compliance with the provisions of the FCRA.
Product: Credit reporting or other personal consumer reports

Today ( XX/XX/year> ) I had been to a XXXX dealership at XXXX XXXX XXXX, XXXX, TX XXXX. And while talking about the finances the sales agent did a hard inquiry on my credit report without my consent and without my signature and on top of that he lied to me saying he didn't do a hard enquiry which I can clearly see is done on my equifax credit bureau. This has lead to a decline in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX closed my disputes without proper investigation to verify accuracy of negative account balance and date delinquency began with creditor XXXXXXXX XXXX XXXX ( Experian account # XXXX ) ( XXXX account # XXXX ). I disputed both the balance owed ( {$24000.00} ) and date of last payment. I specifically requested both credit agencies obtain written debt verification to prove date of first delinquency from creditor, including a payment itemized statement and a transaction ledger starting with a zero running balance. I filed separate disputes with XXXX on XX/XX/XXXX and with Experian on XX/XX/XXXX. XXXX closed its dispute on XX/XX/XXXX. Experian closed its dispute on XX/XX/XXXX. I called both companies for explanation. Representatives said their systems did not show that the creditor ever supplied the requested written debt verification or payment ledgers to confirm the reported balance amount or date of first delinquency. Also, XXXX reports different information for this account. I recall making my last payment in late XXXX, which makes this account 7 years old and non-reportable by law. These credit agencies ' failures to complete adequate investigations violated my rights under the Fair Credit Reporting Act as follows : - consumer right to privacy, 15 U.S.C. 1681 Section 602A ; and - improper furnishing of consumer account information without my written instruction, 15 U.S.C. 1681 Section 604A2.
Product: Debt collection

To whom it may concern, Im writing this letter to dispute the following accounts : ACCOUNT NUMBER : XXXX Reference ID : XXXX THIS IS XXXX XXXX XXXX!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY at all. this is all me so please don't play games. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report asap. My information was obtained without permissible purpose because I never gave your company written consent to accept information from any creditor, or report information about me to the credit Bureaus but you still accepted my information and reported it to the public. 15 USC 1681a ( 3 ) defines Identity Theft as a fraud committed using the information of another person.Your company is now XXXX and civilly liable of identity theft and I plan to file litigation in this matter. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. I included a Invoice with this letter. Just so you know, there is a {$500.00} late fee for everyday that you are late from this date. 
Failure to respond satisfactorily with deletion of the above referenced account and Compensation in the form of a check will result in the above actions being taken against your company ; I will also be seeking litigation and {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g 4. ) Violations of 15 USC 1681a ( 3 ) 5. ) Violations of 15 USC 1681n
Product: Mortgage

I have previously filed a complaint that is still pendingresolution. My new complaint is Nationstar Mortgagedisbursement of my last month payment. They appliedall my payment to the principle, added late fees and nowwant 2 months payment. They are charging me escrowfor insurance I pay for directly to my insurance company. 
I have many other complaints with Nationstar but firstI need to get my mortgage payment corrected
Product: Credit reporting or other personal consumer reports

XXXX continues to show a balanced owed on TransUnion. This has been paid in full and should be shown as it remains showing a balance of over {$9000.00}. XXXX has not corrected this problem for over 4 months and has been ignoring my request. As per the requirements under fair credit reporting act it is required that they accurately report the debt. They have failed and not provided support of the bill. The balance is XXXX and needs to be corrected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment XXXX XXXX Account Number : XXXX Dear, Transunion, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

ABLTY RECVRY- states that I have a past debt of {$890.00} this has been reported on my credit report with negative status and now sent to collections. At the time when I was seen as a patient I was recently released from prison and living in a half way housing before returning to the general population. I shouldn't have been charged any medical fees because all medical treatments are covered under the federal correction system and I also had medicaid coverage as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a dispute and never heard anything back from the credit bureau Equifax.
Product: Debt collection

I checked my credit report from all there bureaus and noticed a debt collection item that was added but I have had no knowledge of from Convergent. I contacted the company and was talked to very rudely by a rep name XXXX. She threatened to sue me as well if I dont pay the debt but refused to send debt validation and verification. I have asked Convergent to cease and desist, stop contacting me and my employer. They continue to call and harass me about a debt Im unfamiliar with.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family and I lost our house in hurricane Irma on XX/XX/XXXX. We immediately contacted our mortgage company - PennyMac to let them know what happened and we had a company begin repairs on our house. We entered into a disaster forbearance plan with PennyMac which allowed us to put our mortgage on hold for 1 full year. We were told at the end of the forbearance we would pick back up on our normal payments of {$1200.00}. We spoke with penny Mac several times over the course of the year and kept them informed of everything going on. The company we hired to fix our house took a large amount of money and after doing the initial demo they never returned to do the work. We had to hire a lawyer to help us and it took over a year to reach a settlement with our insurance company. After the forbearance period was up we contacted pennymac to tell them we were ready to start paying our mortgage again despite our house not being liveable we did not want to risk a foreclosure so we wanted to pay our mortgage however once we told them our house was not currently being fixed because the construction abandoned property and we now had a lawyer helping us resolve our situation they told us we no longer qualified for the forbearance and we now owed the full year of mortgage of {$15000.00}. They would not let us set up a repayment plan and when we told them we could not afford that in a lump sum and that we were told on several occasions they would work with us on a repayment plan they were now starting the foreclosure process on us. Over the course of the next several months we tried to sell our house but because the house was severely damaged we would have to sell it well under what we owed and we did not have any money at the time to pay off our mortgage so we had to wait until our settlement was finalized. We finally sold our house on XX/XX/XXXX and paid every cent we owed back to penny Mac including additional fees they added on which totaled around {$15000.00}. 
After 2 years of being homeless we finally had the means to buy a house again. This is when we quickly learned from a mortgage broker that our credit score was so bad we could not get a loan. Penny Mac had reported us late on our mortgage for 7 months after they refused to work with us on a repayment plan on our destroyed unlivable house. We have filed several complaints with them and tried to fight the late marks they put on our account but they refuse to work with us. We never would have entered into a forbearance plan if we knew they were no longer going to honor the terms and it would lead us down the road of destroying our credit. We have asked for upper management to look into this for us but they refuse to get back to us. The supervisors we worked with to resolve this issue to no avail was XXXX XXXX and her boss XXXX. We are asking for penny Mac to please remove the late marks on our credit. We paid on our mortgage on time every month and has excellent credit up until the hurricane destroyed our lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX.

XXXX  . XXXX XXXX, CA XXXX AND please REMOVE all other previous addresses like : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Thank you!
Product: Mortgage

I believe the issue is with the XXXX system for auto payments, the system forces me to enter XXXX 's at the end of my bank account number that are not in my actual account number. 
The issue began XX/XX/XXXX - monthly payment not made and an NSF fee assessed, I made the payment online {$XXXX} fee assessed XX/XX/XXXX - auto payment refused and when I contacted my back I was told there was no charge that had denied in the amount of my mortgage payment XX/XX/XXXX called XXXX XXXX  inquired about what the bank told me and made the payment over the phone using the same account - no issue with the payment asked for the issue to be looked into XX/XX/XXXX called to follow up told to give it more time - only a supervisor can remove fees XX/XX/XXXX called to follow up, told to give it more time and a note sent to supervisor to call me within XXXX business days and payment made for XXXX over the phone from the same account - no issue with payment XXXX called to follow up, told now to send a written email complaint, should have follow up in 24 hours XXXX - called to follow up again, was told my request for the fees to be removed denied asked to speak with a supervisor, spoke with XXXX, she again sent a written request for the account to be reviewed and the fees removed. Give it at least XXXX business days XX/XX/XXXX - called to follow up once again now I am told I need to wait at least 30 days and that fees typically are not removed for XXXX - explained once again this is not an XXXX  issue, the issue is the XXXX system forces me to add XXXX 's to the end of my bank account number that are really not part of the account number.
Product: Debt collection

I made prior payment arrangement with XXXX and unknowingly to me, First Financial Asset Management has begun reporting debt.