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

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries, and they must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX Blank/Missing - XXXX - XX/XX/XXXX - $ XXXX Fraudulent Inquiries XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Product: Debt collection

Jefferson Capital System added a fraudulent collection to my account and couldnt verify ownership to that collection account upon calling them
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX. Sc XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Comments in the REMARKS Section Placed by Lending Club on my Credit Report are Wrong and Inaccurate and Need to Be Removed. 
Please Remove : PAYMENT MADE AFTER CHARGE OFF/COLLECTIONS PAID PROFIT AND LOSS. 
1. My Acct WAS NOT CHARGED OFF OR SENT TO COLLECTIONS. PAID PROFIT AND LOSS.

2. I AM ACCUSING LENDING CLUB OF DELIBERATELY AND PURPOSELY GIVING ME WRONG/INCORRECT INFORMATION ON OUR RECORDED PHONE CONVERSATION ON XXXX XXXX. 
I WAS TOLD BY 2 EMPLOYEES THE COMMENTS ON THE REMARKS SECTION OF MY CREDIT REPORT WILL BE REMOVED BECAUSE MY ACCT HAD NOT YET BEEN CHARGED OFF. 
3. PLEASE REMOVE ALL COMMENTS IN REMARKS SECTION.

4. PLEASE LISTEN TO VOICE RECORDING OF CONVERSATION ON XX/XX/XXXX. 

THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is incorrectly reporting on my credit reports. These items were previously deleted as I am no longer responsible for them and they reappeared on my credit reports, which is negatively affecting me UNDER A DIFFERENT COLLECTION AGENCY. THESE ARE MEDICAL BILLS AND THEY ARE IN VIOLATION OF HIPPA. THESE ACCOUNTS PREVIOUSLY WERE REPORTED UNDER GREATER XXXX EMERGENCY. 

XXXX COLLECTIONS {$270.00} XXXX COLLECTIONS {$350.00} XXXX COLLECTIONS {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate information on credit report and refuses to remove inaccurate information by deleting XXXX XXXX XXXX XXXX account. As of XX/XX/2020 date reported Experian reports : Account status : 120 days late, condition of account : open, payment history 5 late payments. XXXX  reports : account status : collection/chargeoff, payment history : 9 late payments, condition of account : closed as of XX/XX/2020 date reported. XXXX  reports : account status : closed, no payment history, reports partial account number : XXXX as of XX/XX/2020 date reported. Consumer has attached XXXX  document explaining the comparison of the inaccuracies of XXXX XXXX account across all three bureaus. Not reporting 100 % accurately and not reporting the same across all three bureaus. Account must be deleted for inaccurate reporting. ( Provided factual based information in XXXX  document comparing inaccuracies across all three bureaus. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to follow up the previous CFPB I submitted to the Credit Bureaus requesting the removal of the disputed accounts and information from my Credit File. I have been submitting this multiple dispute letters and CFPB complaints requesting the same thing over and over again and yet the Credit Bureaus have done nothing! I am disappointed! My legal counsel is halfway complete with their lawsuit for the willful non-compliance of the Credit Bureaus. It is clear that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any fraudulent accounts and information from a consumer 's Credit Report. However, the Credit Bureaus have been ignoring my requests! I NEED THE CREDIT BUREAUS TO REMNOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$690.00} XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021. If the Credit Bureaus claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with these items which bears my signature, as they have failed before. In the absence of any such documentation bearing my signature, I formally request that these information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX  and innovis requesting a validation or deletion of these inaccurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA section 609b, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call, etc.. .XXXX  has removed this inacurate or unverified reporting, I have sent a copy of it.

This is a clear violation of the law and it will be reported with FTC, for these violations as well as this complaint constitude proof in a court of law for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus, called Tham and dispute account and inquiries, they continue saying that they are verified. However, as per the Credit Report Act, the bureaus have not provided any proof of verification, and continue to report unverified and false information in my report which is hindering my score.
Product: Mortgage

I bought a XXXX  in XX/XX/XXXX in XXXX XXXX, XXXX. It is XXXX of XXXX units built as new construction. The property tax bill for that first year is a collective tax bill and it was agreed upon closing that the XXXX units would evenly pay for that collective tax bill until XXXX XXXX is able to split the collective property tax account into XXXX individual tax accounts the following year. As of XX/XX/XXXX, my mortgage servicer Home Point Financial Corporation doubled my mortgage payment because it assumed I will be paying the full collective property tax bill. I have tried working with Home Point Financial for over a month and a half on trying to get my payment adjusted so that its accurate but they have made it exceedingly difficult. Home Point Financial Corporation is charging me for my own property taxes and my XXXX neighbors property taxes! The loan servicer kept telling me that they need a property tax bill thats updated. I have stated multiple times that XXXX XXXX does not issue out property tax bills until XXXX each year and that they can not write me a new one any earlier. So in essence, the loan servicer is expecting me to pay from XXXX until XXXX a mortgage payment thats twice what it was before until they get an individual property tax bill.I have furnished my XXXX appraisal letter from the county and even the closing documents related to the property taxes but the company will not accept this and/or is dragging their feet. I have also asked them to contact my county tax collector directly and my title company, but they have refused and have me play as the middleman, where I have easily made over XXXX calls between Home Point Financial and my county tax collector in the last few weeks. This is beyond frustrating and more difficult than it needs to be. I always pay on time and now Im expected to utilize all my funds and emergency funds to make a payment thats bogus- and they know its bogus! I can afford my mortgage payment, but when they are charging me for my neighbors property taxes, that is beyond what I can pay. Im going to be charged late fees and will get a bad mark on my credit report next week on XX/XX/XXXX because home point financial have been slow to respond or take action. Ive been trying to resolve this issue since XXXX XXXX.
Product: Prepaid card

My paypal account was permanently limited on XXXX, so was my debit card. I have {$3800.00} in my account and could not withdraw it. Paypal may have right to limit/close accounts, but they should not hold people 's money for that long.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

This exact debt was reported by another collection company in XX/XX/2023. I contacted other debt collector and was notified the debt was reaching it's 7 year deadline. I opted not to pay. Company deleted account due to being non collectible after 7 years. New company reports debt with no notice to me and knowing debt is over XXXX XXXX XXXX and non collectible.
Product: Student loan

Submitted an application for PSLF on XXXX my original loan servicer was XXXX. After submitting a PSLF form, XXXX informed me my loan would be transferred to MOHELA on XXXX  On XXXX I showed a {$0.00} balance on XXXX. 

MOHELA received the transferred loan information on or around XX/XX/XXXX. The payment due dates and monthly payment amounts on several of my loans are showing differently on MOHELA than they were on XXXX. 

MOHELA is stating that on the standard repayment plan my loans are ~ XXXX XXXX. XXXX has always been showing $ XXXX. Called MOHELA and was told there was nothing they could do and nothing they could provide. Instead they stated that my loan already under a standard repayment plan could apply for being placed on a standard repayment plan. They quoted me at {$860.00} for that standard repayment plan. 

I applied for IDR on XX/XX/XXXX and to prevent that application from any issues, I was advised not to submit an application to be placed on the standard plan. While I wait for my IDR application to be processed, I am being forced to pay a higher payment than what my actual loan payment should be.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax and XXXX 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 a personal credit card account opened at XXXXXXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. XXXXXXXX XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$12000.00}. XXXX XXXX - XXXX XXXX  XXXX  opened on XX/XX/XXXX and a balance of {$5000.00}. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$670.00}. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$23000.00}. I dispute the missed payments and late payments on this account. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$6200.00}. XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX with a balance of {$250.00}. XXXX XXXX XXXX  and a balance of {$2000.00}. XXXX XXXX XXXX with a balance of {$1000.00}. Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. XXXX from XXXX on XX/XX/XXXX. Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/18, I contacted XXXX to settle a past due debt. They informed me that my account was being handled by Diversified Consultants and gave me the number. I immediately called Diversified Consultants. I explained that I wanted to settle the debt of XXXX that is reported in my credit. The representative gave me 2 different amounts, each time putting me on hold as if he was speaking to s supervisor, before we both agreed on an amount of {$500.00} plus change. I asked him to send the settlement to me in email so that I could have it in writing before paying. He told me he didnt have access to email. I then asked him to mail it to me and I would pay it although I wanted to pay that day. He told me they dont do that unless you give them a credit or debit card to put on file first to know that you are serious about paying the debt. I told him that I was not going to give my card number to anyone without confirmed amount so that they could take my money then state that they did not agree to the settlement. He then said thats why they recorded the calls. I again explain that it was not smart for me to do that, I asked fo the letter again, told him I was going to pay that day once the amount was confirmed in writing. He would not budge and began to raise his voice when I asked for a supervisor. Hed told me the supervisor was going to tell me the same thing as he did so I ended the call without a resolution. The next day I received calls and got hung up on twice by a different representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company numerous times since XX/XX/2019 regarding this account that does not belong to me. The original creditor sold this fraud account to XXXX XXXX XXXX credit agency and they have been harassing me and falsely reporting on me credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I completed a re-fi on my mortgage with Wells Fargo and XXXX XXXX on XX/XX/XXXX. 

The closing completed on XX/XX/XXXX at which time my new loan was set up by Wells Fargo. 

I took some money out and had my equity line of credit rolled in. 

After several escalations to XXXX, my e-check was delivered via email on XX/XX/XXXX. ( They kept on telling me to check spam/junk and trash ), but the check was never issued until I contacted them multiple times. 

Meanwhile, as of XX/XX/XXXX, my equity line of credit has not been paid out. I have contacted both XXXX ( long wait times and I leave a voicemail ), and Wells Fargo ( customer service reps do not know how to resolve, and the loan agent has simply acknowledged " I appreciate your frustration '' but after multiple follow ups, this hasn't yet been resolved yet, although she says she is " working with the title company '' ). If this truly priority, it would have been resolved by now. Meanwhile, I am being charged interest on my new loan, and the equity line of credit. Points of contact at Wells Fargo : XXXX, XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a phone call from someone saying my XXXX XXXX account was overdue, {$490.00}. They said a truck was on its was to turn off my service. They said I could pay online with Zelle. I told them I wanted to use my credit card, they said it was not possible to use a credit card. 
I setup a Zelle account with them, I sent out {$490.00} and they said, it did not go through please send out {$490.00} and tomorrow morning they will refund your {$490.00}. 

First payment : Conf # XXXX ; XXXX, XXXX {$490.00} Second payment : Conf # XXXX  ; Fc, XXXX {$490.00} Phone number they called from : XXXX Phone number money went to : XXXX The next day I called XXXX to see about my refund for {$490.00}. The XXXX representative said they never call for money or would they turn off the service. They suggested I call my bank and the police department. 

I called my bank XXXX  XXXX XXXX they investigated they said the money went to XXXX XXXX. They said they were not able to help me. 
My claim # with XXXX is XXXX I filled out a police report with the XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX. XXXX
Product: Debt collection

I have yet to receive proof of the debt being owed. FMS has yet to provide with a notice of delinquency or any chance of amounts. 

This was not a joint lease, I wasnt a lease holder. I was a guest and I was on my friends lease, to gain access with a key card, but I NEVER signed a contract and/or lease.
Product: Credit reporting

I do not work and have never worked for the XXXX XXXX XXXX. 
I do not Work at XXXX XXXX -- it should read XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money transfer transaction was made on XX/XX/2020 morning Pacific Time and was supposed to be in the recipient 's bank the on XXXX XXXX per receipt and confirmation of the transaction. The money was not made available up to the filing of this complaint ( today 's date is XXXX XXXX ). I have checked with Western union on the 2nd day and was told that it will be on the recipient 's bank on the following day but to no avail, checked again on the 3rd day and said that it will be in the following day bu again to no avail. Today, I spoke to them again and was told that the money will be available in the recipient 's bank on Monday, XX/XX/XXXX. If that money I sent is for emergency purposes, the recipient could have been dead by now because of the bad processes that WU is having. Promises here and promises there, giving wrong information and misleading the consumer to the real problem of the transaction. It is maddening that this happens because whatever money sent to a loved one outside the US has a very important purpose. Besides, these are hard earned money. WU can not explain to me what was the cause of the delay they made it hard for me as a consumer to get a resolution to the problem by passing me on from one agent to another, from one specialist to another, and in between calls that they put me on hold, they suddenly cut the line which causes me more to be upset and frustrated. I want to claim damages on this particular complaint. They should not cause this kind of problem to their consumers. I want to escalate this to the legal agency.