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

ACCT # : XXXX SSN : XXXX XXXX : XXXX/XXXXXXXX ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXXXXXX XXXX I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ( Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I have stated in previous complaints, these credit bureaus CONTINUE to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. Sometimes it will get removed and deleted but it gets added RIGHT BACK! BOTH OF OUR NAMES CONTINUE TO BE MISSPELLED! WE HAVE DIFFERENT LAST NAMES! SHE HAS A MIDDLE INITIAL AND I DO NOT! OUR DATE OF BIRTH 'S ARE DIFFERENT! OUR SOCIAL SECURITY NUMBERS ARE DIFFERENT! WHEN WE CALL IN TO REQUEST COPIES OF OUR CREDIT PROFILES AND CREDIT REPORTS TO BE MAILED TO US, WE ARE REFUSED! WE ARE BEING ASKED QUESTIONS FOR THE OTHER PERSON! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECUASE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE ALSO BEFORE YOU START THE INVESTIGATION BECAUSE WHEN THERE IS AN OPEN INVESTIGATION, WE ARE NOT ALLOWED COPIES OF OUR REPORTS VIA ONLINE OR BY PHONE! THEN MAIL US BOTH A NEW COPY OF OUR REPORTS AFTER YOU HAVE COMPLETED THE INVESTIGATION. MY DISPUTE LETTER IS ATTACHED! MAIL ME AND MY DAUGHTER COPIES OF OUR FULL, COMPLETED, PRINTED CREDIT REPORTS TODAY! THEN AFTER YOU START THE INVESTIGATION MAIL US A NEW FULL, PRINTED COPY! WE HAVE ALREADY MAILED AND FAXED COPIES OF THE ATTACHED DISPUTE LETTER ON XX/XX/20 AND XX/XX/20 BUT HAVE NOT RECEIVED A RESPONSE, UPDATE, NOTICE OF INVESTIGATE, NOTICE OF CHANGE, NOTHING! NO FEEDBACK WAS PROVIDED AS OF TODAY 'S DATE!
Product: Mortgage

I am a new homeowner who has had my mortgage for almost 2 years. Amerihome mortgage company has gotten my tax payments incorrect for the last 2 years. I recently refinanced because they were unable to correct the issue which resulted in them issuing me an overpayment in escrow and the city was overpaid taxes which resulted in them issuing me a check for over XXXX. This year the same problem is occurring I have sent them 5 copies of what my tax bill should be for 2021. I have emailed the escrow team on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each time they ask me for the same information that has been provided because they have my 2021 tax payment being over {$6000.00} this has resulted in my mortgage payment being well over the amount I refinanced at. With multiple calls they are unable to correct the issue and I worried that the issue will result in me needing to refinance again.
Product: Mortgage

On XX/XX/2023, XXXX XXXX notified me that my mortgage was being transferred to Mr. Cooper as of XX/XX/2023. 

On XX/XX/2023, Mr. Cooper experienced a cyber security attack / data breach. Leaving customers without access to accounts and making payments. Also, with no notification via e-mail or mail to customers letting them know of this breach. 

To date, I can not access my account, and Mr. Cooper has not set up appropriate avenues or communication for/ to their customers. 

They state that there will be no penalites, fees or bad credit reports but this is all in a blurb on their web-site. There is no availability to speak with a live person who has any information. 

Until XX/XX/2023, I had never heard of Mr. Cooper. Now my mortgage is compromised, my data is compromised and there is noone available to discuss this with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I don't recognize this account. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so.
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 ( Equifax ) 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.

I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Equifax credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a cellular account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and another cellular account opened at XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. Additionally, the XXXX XXXX XXXX XXXX  XXXX account includes a fraudulent XXXX late payment reported on XX/XX/XXXX. These accounts and the associated fraudulent late payment have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent a request to XXXX XXXX to validate a debt they listed. I gave them same info that they furnished to the credit bureaus. They responded telling me the information that I provided did not match any accounts that they have in their system. So I sent them a request to remove this account, As well as sending a request to XXXX, Equifax and XXXX with all documentation asking them to fully verify this account and provide me with that information or remove it. 

XXXX sent me a response that its " verified '' - funny how that works because the information was already said to be unverifiable by the company themselves. 
Equifax- doesn't do any investigation XXXX - updates comments stating it was verified but has zero communication with me. 

Ive included all correspondence as well as copy of credit report.
Product: Debt or credit management

Lexington Law was misleading and scammed hundreds of dollars from me. I asked the company why was it taking so long to repair my credit and they just continue to request payment. the services was never done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information that was removed from my credit report according to Credit Karma. This was over 6 months or so ago when I disputed the accounts and they were removed. As of XX/XX/2018, when I checked my Credit Karma account, these accounts were put back on my report. By law, this is illegal. There must be something in writing concerning this. I have not received anything. This is causing henderence to my credit report and score. I would like for XXXX  to remove these and keep them off. Please advise.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding XXXX accounts that are listed under my name but do not belong to me. I have made efforts to resolve this issue directly with the financial institutions involved, but the matter remains unresolved. Below are the details of the accounts in question : XXXX XXXX XXXX Account Number : XXXX ( partial number provided for privacy ) Institution : XXXX XXXX  Description : This account does not belong to me. I have never opened or authorized any account with XXXX XXXX, nor have I had any transactions or interactions with this company. 
XXXX XXXX XXXX XXXX Account Account Number : XXXX ( partial number provided for privacy ) Institution : XXXX XXXX XXXX XXXX Description : This account is also not mine. I have never held an account with XXXX XXXX XXXX XXXX, nor have I authorized anyone to open XXXX on my behalf. 
I have contacted both XXXX XXXX and XXXX XXXX XXXX XXXX to report that these accounts are fraudulent, but despite my efforts, the issue has not been resolved. These accounts continue to appear under my name, potentially harming my credit report and financial reputation. 

I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX I Reached out to Navy Federal regarding accounts on my credit report that I believed were Inaccurate because of the account numbers that were listed as XXXX. From speaking to navy Federal initially deleted the account and then resubmitted. I wanted to readdress this account and move forward with our relationship. 

On ( XX/XX/2023 ), I received a copy of my credit report from ( XXXX ). That report lists my payments to you as being 'delinquent. ' My financial problems are now behind me and I am in a position to pay off this debt. I can pay a lump sum amount of {$1500.00} or I can pay installments in the amount of {$130.00} per month for 12 months if you will agree to XXXX of the following : ( ) If I make a lump sum payment, you will agree to remove all negative information from my credit file associated with the debt. 

( ) If I agree to pay off the debt in monthly installments, you agree to 're-age ' my account- making the current month the first repayment month and showing no late payments as long as I make the agreed upon monthly payments. 

If this offer is acceptable to you, please check and initial XXXX of the above choices, sign your acceptance below and return this letter to me in the enclosed envelope. 

Thank you for your time and assistance. 

Sincerely yours, XXXX XXXX XXXX to and accepted to on this _____ day of XXXX, XXXX. 

By : ________________________________ ( Creditor Representative Signature ) Name ( print ) : ___________________________ Company : _________________________ Title : _________________________________
Product: Credit reporting or other personal consumer reports

I'm trying to freeze my credit with the XXXX major agencies. Experian makes it impossible to do so. I tried to do so online, their system would not work, it said I would have to call. 
So I called, that did not work they only have a robo-agent and they will not allow you to speak to a real person. I tried saying " agent '', that was recognized by the robo-agent, but it returned a messaging saying agents were not available for what I needed and directed me to do my action online or mail it in, obviously no one wants to mail something in if they feel it's critical. I went back online, figured out that there was an way to upload the documents to confirm identity that would normally be sent in by mail, I had already confirmed my identity with many other details given online. So I had to waste my time scanning documents into a file I could upload. I did get a confirmation my document up load was successful. No time frame for my requested action was given but they did provide a wavier saying anything filed on weekends or holidays is not delay with until the next workday. I spent well over an hour on this process. Contrast that to the XXXX online reporting freeze, that worked perfectly and took me less than 30 minutes evening after having to wait for an email with a code that took XXXX minutes or more to arrive. 

I really do not understand why this has to be so difficult. This agency is somehow chosen as XXXX of XXXX that are allowed to handle these credit records, yet they deny the actual owners of the information the ability to control it. They waisted more than hour of my time and I still do not have any confirmation that my credit has been frozen. I really do not understand why our government does not require these credit agencies they have ordained to hold this credit data to actually service the credit holders while they are making money off the credit holders information. Furthermore, why do I need to set up an account with these agencies to do this?
Product: Payday loan, title loan, or personal loan

on XX/XX/2019 some one took out a loan for {$1000.00} in my name that i know nothing about. i called the company and told them about the loan but it still shown up on my credit report i would like it removed.
Product: Credit reporting or other personal consumer reports

This company LVNV FUNDING is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$17000.00} XXXX {$14000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$64.00} DE [ TEDXXXXXXXX {$3500.00} XXXX {$64.00} DEPTEDXXXXXXXX {$3500.00} DEPTEDXXXXXXXX {$2000.00} DEPTEDXXXXXXXX {$2200.00} DEPTEDXXXXXXXX {$2000.00} XXXX {$13000.00}
Product: Vehicle loan or lease

I finished the auto loan payment for a new car I bought in XX/XX/XXXX by paying off the car loan back in XXXX, XXXX. The Wells Fargo Dealer Financing company was overpaid by one additional installment payment of {$460.00} from my bank 's bill pay service after the remaining balance on the loan was paid off at that time. As a result I incurred {$210.00} in insufficient fund fee in my Wells Fargo bank Checking account. It took me over two weeks to get that over payment back into my account but have been unable to recover the wrongly charged fee totaling {$210.00} Since XX/XX/XXXX, after the car was paid off with the over payment there in, I'm still without a clear title and unable to change my car 's registration from XXXX to XXXX. Both States operate with Electronic Title System, and both States have not yet electronically received the release of lien on the title from the lien holder, Wells Fargo Dealer Financing company.
Product: Credit card or prepaid card

Federal government said there will be no more interest rates do to covid-19 but my bank Wells Fargo is still charging interest and I even asked them why they still charging interest if the federal reserve and federal government said no interest rate do to covid-19 they told me they havent heard anything about that I told Wells Fargo its all over the news and internet and I told them my wifes credit cards from her bank and other credit cards she has they sent her a letter and it said there will be no interest rate so to covid-19 so why is Wells Fargo still charging people and everybody else bank is not
Product: Mortgage

XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> hurricane Irma damaged our home financed by Mr. Cooper. They received insurance funds on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>.  We 've provided all the requested documents and called them almost daily but they still have not released the $ XXXX needed for home repairs. Each time we call it 's the same conversation as if they are reading from a script, " we apologize for the delay, I will request that be expedited immediately, you should have a check within 5-7 business days. '' Each call taking an hour on average but longer if you insist on speaking with a supervisor. I 've complied with their 15 page procedures and set up account on XXXX as advised, but they are delaying and delaying. We 've had to go to a local bank and borrow money to begin repairs in order to prevent additional damage to our home. We 've called Mr. Cooper twice to complain about it 's loss claim department, no one returned the first call and the second customer service rep transferred me to the department I was calling to complain about. We 've submitted a formal complaint and are waiting to get a response back. It 's an awful thing to have your home damaged and then to be victimized by your mortgage company like this is unimaginable.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information, after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau ( CFPB ), lawsuit against XXXX ( Case XXXX ). You all also violated my consumers rights and privacy under 605B. 1666B. 1681B. and 1637B. Im a victim of the latest Data Breach and Identity Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX  XXXX and XXXX XXXX / XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.
Product: Debt collection

Central credit services LLC XXXX XXXX, MO XXXX XXXX This collection agency is trying to collect {$380.00} from me. Now on my credit report. Please help me get this removed. XXXX XXXX has not legally informed me of this debt collection. I am Disputing XXXX  XXXX collections regarding unreturned equipment. I was forced out of my apartment after 14 1/2 years. I had one day to move my personal items out. I spoke to XXXX XXXX regarding stopping my service. They informed me to leave old equipment behind. It was obsolete and paid for after 13 yrs of having it, and that I would get a new mini box when I moved into my new location. The equipment was left behind in my old location, as advice by XXXX XXXX consultant. XXXX XXXX  can track this equipment if someone is using it. They informed me of this when I received a bill for {$380.00} then they told me there were going to investigate, but I never received a call back, either way, 2 months ago. Now they have submitted it to this collection agency. This charge is not legal, this is another way for XXXX XXXX to collect more money and rip people off. I have other people dealing with the same issue. They are scammers. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My account with Chase was closed because I tried to make an account on my phone. The check with the money from the closed account was supposed to be sent to my residence. It has been XXXX  months and nothing has come through. I have called 4 times and went to the branch 2 times already.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Discover credit card company agreed to settle my account in the amount of {$950.00}. However, after credit bureau dispute Discover provided incorrect information to the credit bureau and is is fraudulently reporting that I owe {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages 6 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.