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

Complaint, QWR, DVR and demand for disclosures under TILA against XXXX [ controlled by XXXX XXXX ] and XXXX who owns Caliber Home Loans , Inc. fully owned by XXXX XXXX funds and since XXXX owned by XXXX XXXX fund acting under name of New Residential. On XX/XX/XXXX XXXX XXXX Intelligence [ XXXX ] generated unsigned " response '' to my disputes where XXXX XXXX insisted that information on my Credit Report was updated and verified as " accurate '' - which is not true and can not be true. 
First, it is illegal and perhaps criminal for XXXX [ XXXX XXXX ] to use XXXX XXXX [ robots ] to conduct verification of customers disputes and respond to customers with false information. I demand to provide me the name and contact information for an authorized individual employee of XXXX who can personally verify how exactly XXXX verified information on my credit report and provide me copies of documents based on which this information was verified. 
According to XXXX response regarding my dispute with defunct faux " servicer '' [ not lender ] Caliber Home Loans , Inc [ fully owned by hedge fund XXXX XXXX ], " the compnay that reported the information has CERTIFIED to XXXX that they information is accurate. Caliber became XXXX in XX/XX/XXXX and obviously can not " verify '' anything to XXXX in XXXX. 
I demand to provide me the name of the Company who provided this Certification to XXXX, the copy of this certification as provided to XXXX, and the name of individual employee of the company who was authorized to provide this certification and has personal knowledge about information furnished to XXXX regarding account XXXX I also demand to provide me a copy of verification for information related to disputed account XXXX and the name and contact information for an individual authorized employee of the company who submitted this verification I demand to immediately remove this derogatory information until XXXX provides me proof of verification from the companies and its individual employees who furnished it.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Equifax credit report on the XXXX XXXX platform as well as the XXXX three bureau report and there is an account from XXXX XXXX XXXXXXXX that is not mine and showing on my report. However, when I review my report on the Equifax website, the account in question is not there. I have attached copies of the report from XXXX XXXX and XXXX for review as well as a full Equifax issued credit report. I am concerned that these other credit report platforms are including this erroneous information in their reports. Where are they getting this information from?? Is it possible there is a split file and this account is erroneously being reported? 

The account details are : XXXX XXXX XXXXXXXX : ACCOUNT NO. XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE UPDATED : XX/XX/XXXX CREDIT LIMIT : XXXX HIGH BALANCE : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XX/XX/year> {$1600.00} XXXX XXXX XXXX XX/XX/year> {$1200.00} NCA XXXX {$210.00} I have not received any requested documents. 
I requested to see my the signature that I put on a contract guaranteeing that I would pay this creditor on the debts above. I also did not received any info for chain of title to collect on this debt for each creditors listed above. Nor I did not get a detailed history of payments that I made on these accounts listed above. I also requested to know if there has been a insurance claim on these debts.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXXXXXX 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

FTC Report Number XXXX XXXX XXXX XXXX  Case number XXXX I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX. 

I sent my letter off on XX/XX/XXXX. I asked the credit bureaus to investigate every piece of information, on the accounts. The bureaus responded that the account was verified which is not true because the account is not mine. I never opened the account and I need this account removed. Here are the tracking number XXXX and XXXX. 

I sent out multiple letters trying to resolve this issue. Now I will seek legal assistance if this false report is not removed. 


Your complaint case number is XXXX. If you provided an email address, you will receive an email with a link to your case within approximately 48 hours. You may click here to print a copy for your records. XXXX  acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, ( This was an early payment for XX/XX/XXXX payment ) I made a mortgage payment to Guaranteed Rate. The payment was for {$3400.00}. However, I was notified at the last minute that my mortgage was going to transfer to XXXX Mortgage. I contacted Guaranteed Rate about this matter, and they told me that they were going to send the XXXX mortgage payment to XXXX automatically. So, given I was instructed this, I left the situation alone. In XXXX, I get a notice that my payment was not received. I called XXXX, and I was told that I was protected for 60 days as sometime mortgage companies are late with the transfer of payments. This past XXXX, I get a phone call from XXXX that they reported me to Credit due to lack of payment. I asked them why, and they said that they never got the payment back in XXXX from Guaranteed Rate. 

Instantly, I contacted Guaranteed Rate, and they said they never got my XXXX 's payment. I called my bank and located the electronic payment, and it showed that I made the payment, and they received in on XX/XX/XXXX. In addition, I also have emails from Guaranteed Rate indicating they received my payment. 

I have sent XXXX various statements, pictures and documents showing proof that I made the payment on time, and Guaranteed Rate did not due their part in the transfer. This has been going on for about a month, and despite all of the poof I have shown, XXXX still will not remove the negative reporting on my credit. 

Given I have shown proven that I have made the payment, this is now no longer my issue. This is clearly between Guaranteed Rate and XXXX. Despite this, they still say the same thing to me every week " we are investigating about the matter ''.
Product: Student loan

I contacted Firstmark Services to inquire about my loan terms because what I was seeing on my " welcome letter '' didn't match with my expected loan terms from XXXX XXXX. Roughly six weeks ago, and four or so additional times between now ( XX/XX/2021 ) and then, I asked Firstmark to send over their copy of my original promissory note so that I could verify my loan terms. They repeatedly told me that it would be coming " in a few days '' but have so far never delivered. I am concerned because those loans are coming due and I want to make sure I'm paying the correct amount.
Product: Debt collection

The so called Franklin collection svcs never got any consent neither a court order from a judge to put a derigatory acct on my credit report with XXXX and XXXX. They had no consent to the account they opened themselves and I disputed the illegal account with XXXX and they go ahead an report it at a different day. This is a fraudlant business who never got a consent neither a judge ordered that account to open on my credit that I worked 11 years on making it great with 100 % payment on time. I do n't owe anything and I did n't ignored or missed any pmt. I demand from this company to stop retaliation and harassing me and go find something legal to do. This company is disease and needed to be stopped. I urge our officials who read this to make an end to the so called Franklin Collection SV SOMETIMES THEY USE SERVICES AND THAT WAS JUST SHOWING THEIR GREED TO RUIN EDUCATED PEOPLE 's financial record no I Wo n't. I will demand compensation for damages and sue this company if it does n't stop harassing me.
Product: Debt collection

This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. This is a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested. I respectfully requested that your office provides me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX Account Name : XXXX XXXX XXXX -I mailed out a letter on XX/XX/year> requesting validation of this debt within 30 days upon receiving the notice, I have not received a response with competent evidence that I have any legal obligation to pay you. 

-I mailed out a 2nd letter on XX/XX/year> requesting validation of this debt within 7 days upon receiving the notice, I have not received a response with competent evidence that I have any legal obligation to pay you. 

The following account remains unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus Account number XXXX Account number previously reflecting on credit report : XXXX
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. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Debt collection

I have been trying to tell these businesses that these particular accounts is not mind. They want listen. I sent disputes to the ( 3 ) major credit companies and they want listen. Please help
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found some errors on my credit report, which are regulated by 15 USC 16c-2, and I believe these inaccuracies are negatively impacting my credit score. The hard inquiries shown were not authorized by me.
Product: Mortgage

I had to put money down after 18 months to keep payments the same and they told me what I owed and I sent them the money and now they are saying I owe more money and that is not legal
Product: Debt collection

XX/XX/2016 Portfolio Recovery Associates falsely reported to my Credit Reports that I owe them a debt of {$460.00} that was not mine. My identity was stolen by my ex-husband. He opened up credit cards and sent all kinds of collections to my Credit Report. I have successfully removed all of them except this company. They wont even talk to me, they just yell at me. One of them even cussed me out when I was on the phone with them trying to do a pay for delete. I need this removed.
Product: Bank account or service

I opted in for overdraft coverage for my PNC checking account. I overdrew my account, however, a deposit was made which covered the charges and brought my account to a positive balance on a Friday. On a Monday, another charge overdrafted my account, resulting in me having a negative balance. Instead of counting from the day that my account was overdrafted the second time, PNC began to access " continous overdraft fees '' in the amount of {$7.00} per calendar day which - persuant to the agreement that I signed opting into overdraft coverage - is only to be assessed after an account REMAINS in overdrafted status for 5 calendar days or more. I spoke with them twice regarding this matter, however, they maintained that their agreement permitted the assessment of these additional charges of {$7.00} per day. I was told on Friday, XXXX/XXXX/16 that I would receive a call from a PNC representative named XXXX XXXX that day to discuss further, however, that has yet to happen. Their overdraft coverage agreement is misleading and egregiously unclear with regards to the assessment of the {$7.00} per day charge and I believe that I was taken advantage of.
Product: Credit card

I made a mistake while using online service and created a cash advance of {$170.00} instead of transferring money from one of my savings accounts to checking account. I recently utilized a 1.9 % balance transfer for XXXX XXXX. I requested that the {$170.00} balance transfer was my mistake and I requested a reversal. I was told they could not. I was charged {$10.00} for the cash advance fee and will be charged 29.49 % compounded daily until the full amount is paid off. 

I requested consideration in that I use the bank for my payroll direct deposit and all my online bill payments as well. I noted my mistake and asked for customer relations consideration. I was told no. I believe they can reverse it if I can speak with the right person.
Product: Vehicle loan or lease

I applied to finance a XXXX XXXX XXXX XXXX on XX/XX/XXXX through XXXX XXXX XXXX. Ally financial obtained a copy of my credit report and per the dealership it was denied due to Ally financial requiring a significant amount of money for a down payment or a co-signer. However, the amount required for down payment was not specified. When I contacted Ally Financial and spoke with XXXX with employee ID : XXXX to obtain terms or reason for denial she informed me she nor Ally Financial can provide me the requested information but it can be obtained from the dealership. I am still without a vehicle and not given required stipulations such as down payment amount and or terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX-XX/XX/XXXXsomebody opened student loans in my name without my knowledge I reached out to XXXX XXXX  and they are working to fix the issue I do have student loans that are mine but they don't add up to the amount that's being reported on my credit report.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer and Im making this complaint against ARS for committing identity theft. I have never given ARS any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ARS can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ARS continues its collection efforts, I will file for litigation for actual damages caused and ARS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 several addresses lists on my credit report never live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And Experian violated 15 US Code 6802 Obligation with respect to disclosure of personal information with written consent from the consumers
Product: Debt collection

Incident Description : I am writing regarding an account with the name " RESURGENT/LVNV FUNDING '' and account number ending in XXXX. This account was opened on XX/XX/XXXX, and the original balance was {$2500.00}. The account is currently listed as a collection account with the status updated as of XX/XX/XXXX. As of XX/XX/XXXX, the balance remains at {$2500.00}, and the account is marked as past due. 

Concerns : Upon reviewing the details of the account, I noticed that : The account has been reported as a collection account with no recent payments or adjustments made since its opening. 
The payment history indicates a " C '' for collections every month from XX/XX/XXXX through XX/XX/XXXX, without any indication of partial payments or settlement attempts. 
There has been no contact or action taken by the company to resolve or address the outstanding balance. 
Actions Taken : I have not made any payments to the account as of yet and have not been contacted by the company for payment arrangements or settlement. 

Resolution Requested : I would like the company to : Provide a detailed breakdown of the accounts status, including any actions taken on the companys end to collect the debt or notify me of any payment options. 
Clarify why the account remains in collection without any efforts to resolve the balance. 
Review the collection status and provide options for resolving or settling the account. 
I appreciate your prompt attention to this matter and look forward to a resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C1681 Section 604 A.Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 


This Account XXXX XXXX is paid and closed and it's over seven years old.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the accuracy of the following account ( s ) listed on my credit report, which Experian has failed to properly investigate or validate as required under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i ( a ) **. 

**Account in Dispute : ** - **Creditor Name : ** XXXX XXXX  - **Account Number : ** XXXX - **Reason for Dispute : ** This account is not mine, I submitted a dispute to Experian regarding the above account*. Despite your legal obligation under **FCRA 611 ( a ) ( 6 ) ( B ) ** to conduct a reasonable investigation and provide me with written results, including a description of the procedure used to determine the accuracy of the disputed information, Experian has : 1. **Failed to adequately investigate** the dispute, as evidenced by ** [ describe outcome, e.g., no changes to the account or no response ] **.

2. **Refused to provide documentation** or a detailed explanation of how the account was verified, violating **FCRA 609 ( a ) ( 1 ) **, which entitles me to all items of information in my file at the time of the request.