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

I am writing to formally dispute the accuracy of the following accounts listed on my credit report, which I believe were affected by the 2017 Equifax data breach. Under Section 605 ( b ) of the Fair Credit Reporting Act, I am requesting that the accounts be removed from my credit report within four days, as they are likely the result of identity theft stemming from the breach. 

The affected accounts are as follows : XXXX XXXX Account Number : XXXX Portfolio Recovery Associates Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX These accounts do not belong to me, and I believe they were opened fraudulently as a result of the Equifax data breach. I have already taken steps to protect my identity and have reported the breach, and I am requesting the removal of these accounts from my credit file within the four-day period as stipulated by the law. 

Please send me confirmation that these accounts have been removed. Additionally, I request a copy of my updated credit report after the changes have been made. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of these accounts within the specified timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XX/XX/16  I lo gged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX     XXXX  I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my credit score on all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my consumer report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against both XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am demanding immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer. 

CFPB Complaint Id # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint with the Consumer financial protection bureau regarding incorrect reporting in my credit report. XXXX has not yet finished my Dispute with Wells 's Fargo. However as of XX/XX/XXXX my credit score has decreased from XXXX to now XXXX in less than one month after my file dispute. Nothing in my credit report has changed and my payment history is currently exceptional with no missed payments or new hard inquiry. The only missed payments are the incorrect data from Wells Fargo back in XXXX which is currently unchanged or corrected regarding my dispute with XXXX. How can my credit report decrease 71 points when nothing has changed with my credit report? The other credit reporting agency 's credit score has not changed regarding my dispute with Well 's fargo that is much higher than my recent decreased credit score with XXXX.The previous dispute information is below with attachments. I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report. Wells ' Fargo have committed fraud with account. 

I also became aware of and informed that Well 's Fargo paid a settlement regarding this account on my behalf to my former Attorney. However my name was forged on documents, and settlement money was collected from Well 's Fargo on my behalf. My former Attorney asked me to sign one single document for one thing in the case, and my signature was attached to other future documents without my knowledge or consent.

My former attorney never informed me of a money settlement with Well 's Fargo and kept all the settlement funds for himself. Despite me paying my former Attorney monthly payments to handle my case with Well 's Fargo and XXXX XXXX XXXX XXXX XXXX. However Nothing was done in the XXXX XXXX XXXX XXXX XXXX case and he only worked on the Well 's Fargo case keeping all the settlement money from well 's Fargo which is fraud scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting information on my credit report that I requested to be validated. I mailed a letter of dispute on   XXXX   XXXX  n regards to an account, Timepayment, which is reported on my credit report. Experian sent me a letter informing me that the account was verified. I wrote another letter of dispute on   XXXX   requesting proof of the validation of this account. Experian then sent me a letter informing me that they will not reinvestigate this information again unless I send them additional information to support my claim.   
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to request that the Experian disclose to me all of the documents that they have recorded and reta  ined in their file at the time of my request concerning the accounts that they are reporting in my credit report.   According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if they do not investigate AND respond, Experian must delete the disputed information from its files.
I only wanted to see proof of the validation of this account. I can only assume that there was no investigation into the matter being that there was no evidence was given to me about this account. By publishing these inaccurate and unverified items on my credit reports and distributing them to 3rd parties, Experian is damaging my reputation and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. 
I contacted the Companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has illegally placed an account on my credit profile that has been disputed and removed from a different collection agency. This alledged debt has been bought and resold numerous times. I have no contract with the original creditor nor the collection agency. Per FCRA I am requesting removal of this account that was placed on my credit profile without my permission. This is fraud. I will seek monetary damages for this companys actions of not removed immediately
Product: Credit reporting

I am writing to dispute the account XXXX XXXX referenced above that is currently reporting on my Experian credit report. I have disputed this account information as inaccurate with Experian, and Experian has come back to me and stated they were able to verify this alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX myself several times and have been unable to get them to verify that this is indeed my debt. 
I have previously enclosed copies of my requests for them to Validate these alleged debts, and the receipts showing that I sent these letter certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this alleged debt to the collection company XXXX XXXX that is listed above in this letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Experian is obligated by law to remove this item. There is a clear case of unverified debt here, and I urge Experian to remove this alleged item before I am forced to take legal action. 
Experian is also continuing to report inaccurate personal information in regards to my name, address. 
I have never lived at the address that is currently being listed on my credit report the address is as follows:XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX VERIFY AND REMOVE THESE INACCURATE ADDRESS INFORMATION FROM MY EXPERIAN CREDIT REPORT AS SOON AS POSSIBLE, MY ADDRESS SHOULD ONLY BE REPORTING AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS IDENTIFICATION NUMBER XXXX IS REFLECTING. 

I HAVE NEVER USED THESE NAMES WHICH IS AS FOLLOWS : XXXX XXXXNAME IDENTIFICATION NUMBER : XXXX XXXXNAME IDENTIFICATION NUMBER:XXXX XXXXNAME IDENTIFICATION NUMBER : XXXX NAME SHOULD ONLY BE REFLECTING AS FOLLOWS : XXXX XXXXORXXXX XXXX XXXXPLEASE REMOVE THESE OTHER ERRENOUS INACCURATE NAMES FROM MY EXPERIAN CREDIT REPORT.
Product: Debt collection

XXXX XXXX Fri, XX/XX/XXXX at XXXX PM alert shows Im a possible data breach victim. Demand is Made to DIVERSIFIED ADJUSTMENT SERVICE, INC. for verification of my signature ( the same on my Texas Driver License and Form XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX that I signed on XX/XX/XXXX ) that matches my signature that authorized commencement of the alleged XXXX past due payment. 

My attached XXXX, XXXX and XX/XX/XXXX XXXX XXXX summaries display the following Bill summary Total amount due : {$110.00} Due immediately : {$110.00} Due by XX/XX/XXXX : {$.00} {$110.00} Due immediately : {$110.00} Due by XX/XX/XXXX : {$.00} {$110.00} Due immediately : {$110.00} Due by XX/XX/XXXX : {$.00} Please note the following XXXX alert sent to me : XXXX XXXX : We found your info in another company 's data breach. XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX PM Hi XXXX, XXXX XXXX XXXX Identity Monitoring service routinely checks to see if your email has been in a data breach. It looks like your personal data may have been compromised, not at XXXX XXXX, but in at least XXXX data breach affecting another company. 


It's not safe to use these passwords Stop using them ASAP especially for accounts that have sensitive info ( like your banking app or email ). 
Exposed password ke*** Exposed password XXXX XXXX data breaches Review the breach details to see what happened and what you should do about it now. 

XXXX XXXX Reported XX/XX/XXXX XX/XX/XXXX XXXX Reported XX/XX/XXXX User Device XXXX Addresses Reported XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Emails Reported XX/XX/XXXX Data Enrichment Exposure From XXXX Customer Reported XX/XX/XXXX XXXX XXXX XXXX/ XXXX Reported XX/XX/XXXX Marketing Database Leak Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX SMS Spam Database Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX AP XXXX XXXX XXXX XXXX List Reported XX/XX/XXXX XXXX XXXX XXXX XXXX List Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Voter Database Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXXXXXX Reported XX/XX/XXXX XXXX XXXX XXXX Spam List Reported XX/XX/XXXX Email Data List ( Email List ) Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Spam List Reported XX/XX/XXXX XXXX XXXX XXXX Feed Spam List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Systems Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX 2013
Product: Credit reporting or other personal consumer reports

Victim of identity theft and notice of improper use of credit report. There are inquiries I do not recognize and Im sure I myself did not authorize or provided my wet signature for such inquiries or accounts to be furnished on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX  - Capital One Auto Finance XX/XX/2020 XXXX  - Capital One XX/XX/2020 XXXX  - Capital One Auto Finance XX/XX/2020 In addition, there is a duplicate inquiry from Capital One Auto Finance on XX/XX/2020 listed on my XXXX  credit report.
Product: Credit reporting

On XXXX I requested my free report from TransUnion. I have only received stall tactics and no report. Please send my free credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE ACCOUNT LISTED BELOW IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX $ XXXX Opened : XX/XX/XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. CXXXXe XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized hard inquiries from New City Funding Corp. on my XXXX credit report. I did not apply for credit with this company or authorize these inquiries, violating FCRA 604.

I filed an Identity Theft Report with the FTC and disputed with XXXX, but the company failed to provide proof of my consent. Under FCRA 609 and 605B, I request the immediate removal of these fraudulent inquiries.
Product: Debt collection

I explained to the person who answered that I have no nor have I ever had any business with XXXX XXXX XXXX. After that the calls increased in frequency, several per day at this point.
Product: Credit reporting or other personal consumer reports

Payments was submitted twice in an error need payment was submitted by the bank bank error please with consideration reopened account
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan to consolidate credit card debt on XXXX XXXX XXXX Before electronically signing, I called Sofi because there was no payment due date in the final page before I signed. I'm paid semi-monthly, so the due date is incredibly important. I asked a ) what the due date was, and b ) if it could be changed. The woman told me it could be changed as soon as the loan was funded, so I signed the paperwork digitally. Only after I signed did she say, " Actually, no that's not possible - you can't change the due date until 30 days after the first payment is due. '' I signed up for autopay to get a point reduction on my APR, so now this is going to automatically come out of my account when I don't have the cash because my mortgage is due at the beginning of the month. When I asked to speak with a supervisor, she said I could cancel the autopay, but that it can't be canceled until the loan is funded. If I cancel the autopay, I'll lose the discounted rate. This entire process was highly deceptive and I would never have gone with Sofi if I had known it would be this absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I called Nationstar Mortgage, ( DBA Mr. Cooper ) and entered into a pandemic forbearance agreement. In XXXX of XXXX I called Mr. Cooper asking to come off of the forbearance. In XX/XX/XXXX Mr. Cooper stated my forbearance had ended. I had called Mr. Cooper since XXXX trying to make payments on the home, their response was always the only payment they would accept was the entire forbearance amount to bring the account current. I have attached a screen shot dated in XXXX from my Mr.Cooper account that shows my account is not eligible to make payments. I even filed a complaint with the CFPB because of Mr. Coopers reluctance to to provide a forbearance workout plan. Its was my understanding that paying the entire forbearance amount could not be a requirement for Pandemic related forbearance. Because of their insistence that the account be brought current in full and no other option given to us at the time we were in fear of loosing our house and its equity. My family and I made the very difficult decision to sell the home we loved. It went under contract on XX/XX/XXXX. On XX/XX/XXXX We received a e-mail stating Mr. Cooper had approved us for a loan modification that would begin on XX/XX/XXXX. However it was to late as our home was under a binding contract to sell. The sale of our home closed on XX/XX/XXXX and Mr. Cooper was paid in full on the same date. On XX/XX/XXXX 17 days after the account was paid in full and closed I received notification that Mr. Cooper has reported my account as being past due 120 days. I tried very hard to work this out with Mr. Cooper but at every step they refused to except anything except for full payment of all pandemic forbearance payments until I filed a complaint with the CFPB. This reporting of delinquency is in retaliation for me filing the earlier complaint with your agency.

It is also my understanding that under the CARES act, payments missed due to being on a Pandemic Forbearance plan can not be reported to the credit reporting agencies.
Product: Debt collection

Pro Collect has XXXX collections for XXXX apartments XXXX for {$790.00} and the other for {$980.00} i have disputed this and told them it was identity theft and i didnt live in any of these apartments. I have even tried to settle for half the amounts that is said to be mine on both accounts the rep over my account is rude and will not correct any of this. ive asked several times for the contact with my legal wet signature i also asked him to send me proof of ownership of this account and he has never provided any that.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX at approximately XXXX : XXXX I received an alert with the new inquiry on my credit report I was asleep at the time from Capital One I already have a debt with Capital One why would I apply for something from them again this is not me I don't know what happened but I need that inquiry removed because I am trying to repair my credit
Product: Checking or savings account

Citibank locked my checking account because of suspicious activity, I was supposed to receive a paper in the mail with a number to unlock my account which I have not received in 2 months.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

This is a new complaint and I would like to have this reviewed. 

I have sent countless written communications to Portfolio Recovery notifying them to cease and desist ALL communications. My last complaint was in XX/XX/2021 and since then, I have received 10-12 letters per week from this company. 

This is blatant disregard of my consumer rights and I demand this company stop communicating with me via mail and phone. Portfolio Recovery does not have my permission to have my personal information and I do not owe them and do not validate this inaccurate information they are sharing. 

This is harassment and defamation of character to allow this company to report information that does not belong to me on my report.