23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. 

Please remove the inquiries below : XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have been trying to get my mortgage company to schedule a new appraisal so i can eliminate PMI on my loan. I followed the mortgage companies directive and sent in a signed request. It was confirmed received almost 6 weeks ago. I have spent the last 2 weeks calling every couple of days trying to get resolution on my own for an appraiser to contact me. I have been told my request has been escalated several times but i still have no resolution to this issue. i am hoping by writing to this bureau and appraisal will finally be completed so i can eliminate PMI from my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY PERSONAL INFORMATION AND MY SOCIAL SECURITY NUMBER TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY PERMISSION AND CONSENT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Please see the exhibits below. I have several accounts of which a tender of payment was tendered, with acceptance and credits applied to the account, with the account in a status, warranting a refund, of which only XXXX sent. XXXX, the account was reported paid and closed XX/XX/XXXX to XX/XX/XXXX. I actually sent several {$12000.00} payments, which they kept and processed, meaning they have double payments ( securities fraud ). There were never late payments on that account, being that payments automatically came out of my account and then the account was in a paid status. I have submitted reports to FTC, SEC, and FINRA against XXXX and XXXX XXXX XXXX  XXXX Child Support, {$8000.00} was sent and applied to the account, furthermore, two {$8000.00} payments were sent and accepted and applied. XXXX, {$27000.00} tender of payment was sent, XXXX and XXXX to XXXX, and NO late payment ever occurred, that is false, and it was applied to the account, with a refund of {$1200.00}, and the account is now paid and in closed status. The lien release of the title was sent as well. XXXX, fraud was committed by them and the Merchant company the loan was originated. However, a tender of payment of {$13000.00} was sent and applied to the account, with a paid in full and no payment due status. A payment was tendered to the Investor, XXXX XXXX, for the mortgage account with XXXX. XXXX is NOT the lender, and was never the lender of that account. They committed mortgage fraud and misrepresentation of the origination of the loan, causing an imperfection. They have sold and traded the loan to third party investors, causing a break in the chain of documents. I sent a payment of {$160000.00} to the investor and the indentured trustee. I am NOT late on that account, and should be immediately removed. I have reported XXXX to FINRA, SEC, CFPB, and Congressional Inquiry for their fraud and racism. Also, all inquiries on my account made after XX/XX/XXXX are not authorized. I received several phone calls from merchants saying XXXX, XXXX, and Transunion sold my information to them, and they processed my credit ( without my authorization ) to obtain a mortgage loan or refinance. ALL inquires need to be removed, they were NEVER authorized by me. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. Any other name is legal fraud. Please update my account accurately. If you refuse to update these accounts I will have to pursue legal remedy, and each violation will accrue a {$1500.00} per violation per month it keep reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I signed up for XXXX credit alerts and found the following inquiry that was just made that was not made by or authorized by me. The inquiry was from Bank of America and it was made on XX/XX/2022.
Product: Vehicle loan or lease

My car was illegally XXXX  during XXXX. I spoke with XXXX and let them know I was going through a hardship financially due to XXXX and was told I qualified for a covid relief plan to defer my payments. I agreed and was told I would receive documentation to sign. I never received this paperwork. Then XXXX night my car was taken from my property. I was never sent a letter letting me know they planned on XXXX  my car, I was never sent a right to redeem letter to get the car back, and I never received a letter of deficiency. I am also showing and outstanding balance owed of {$XXXX}. My car was insured with XXXX  insurance. I should have no outstanding balance. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Please remove this from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

I originally disputed multiple inaccurate accounts on my credit report with Experian around XX/XX/XXXX - XX/XX/XXXX and requested proper documentation verifying these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). Experian failed to conduct a reasonable investigation and did not provide any valid documentation proving the accuracy or ownership of these accounts. Instead, Experian continued reporting these unverifiable accounts, which is a violation of my rights under the FCRA. 

The disputed accounts include : XXXX XXXX Opened XX/XX/XXXX | {$1100.00} charged off | Status : Paid in settlement | Experian failed to provide proof of verification. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX | {$780.00} charged off | Status : Closed | I am unsure if this account is mine, and Experian did not provide verification. 
XXXX XXXX XXXX  XXXX XX/XX/XXXX | {$540.00} charged off | Experian failed to validate this account. 
XXXX XXXX XXXX  Opened XX/XX/XXXX | {$800.00} charged off | Status : Closed | Experian did not provide proof that this account is mine. 
XXXX XXXX  XXXX XX/XX/XXXX | {$740.00} charged off | No verification provided. 
XXXX XXXX Opened XX/XX/XXXX | Status : Repossession | Experian did not provide proof of notice or documentation that led to the repossession. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX | {$610.00} charged off | Experian failed to provide proof of verification. 
XXXX Opened XX/XX/XXXX | {$990.00} charged off | Incorrectly states Account closed at consumers request when I never closed this account. 
XXXX ( Sold to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | {$1500.00} charged off | Experian failed to verify ownership. 
XXXX XXXX XXXX ( XXXX XXXX XXXX Original Creditor ) Opened XX/XX/XXXX | {$2600.00} in collections | Experian did not verify proper ownership. 

I requested that Experian provide me with : Signed agreements proving I opened these accounts Full payment history and statements validating account balances Proof that the creditors legally own or have the right to report these debts Experian failed to provide any of the above within the legally required 30-day timeframe per 15 U.S. Code 1681i ( FCRA guidelines ). Since they could not verify these accounts, they must be deleted from my credit report immediately.

I am requesting : Immediate removal of all unverifiable accounts Correction of my credit report to reflect accurate and legally reportable information Written confirmation of these changes Experians failure to comply with the FCRA could result in legal action if this issue is not resolved promptly. Please investigate and correct these errors as required by law.
Product: Debt collection

I have filed a complaint against this company before, complaint # XXXX. On my complaint, I stated : " On XXXX 18th_this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec XXXX ''. 

The company responded. on their response, this company claims that they are able to provide validation documents. The statement they sent shows an account ending in XXXX and they are saying on their response to CFPB, XXXX purchased the XXXX XXXX credit card account ending in " XXXX '' on or about XXXX XXXX, XXXX. This proves that this account is unsubstantiated and unverified! What made you and this company claim that you verified this account and investigated it??? Furthermore, the company is reporting the status of the account incorrectly! They are reporting the status as " open '' instead of " collection ''. They have violated the California Credit Reporting Act. These violations had caused my credit to be harmed more than legally permissible. I am more than willing to get my legal counsel involved in this matter if this will not be resolved.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has used my credit improperly. After reviewing my credit, it was reported 2 late payments. One late payment was XX/XX/2022 and the other late payment was XX/XX/2022. In accordance with the Fair Housing Credit Reporting Act-XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A, States I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, states consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance Owed : {$2400.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

XXXX XXXX XXXX Balance Owed : {$110.00} - This account was taken care of with original creditor prior to going to collection, this is an error please remove this account.

XXXX XXXX XXXX  Balance Owed : {$58.00} - Delete this unknown account unless you can provide me with proof of a contract with my signature.

XXXX XXXX XXXX  Balance Owed : {$260.00} - Reporting unknown which means it's incomplete, please delete this account.

XXXX XXXX XXXX Balance Owed : {$170.00} - Your records are revealing conflicting and incorrect information compared to other bureaus.
Product: Debt collection

In XX/XX/XXXX I requested by certified mail that XXXX XXXX XXXX Furniture be validated or that the debt be removed from all three reporting bureaus. They've failed to validate this debt in the amount of {$3000.00} opened XX/XX/XXXX
Product: Student loan

Navient at no time helped me to reduce my payments to income based. Due to that I am not over a XXXX dollars behind. Anytime I would contact customer service, they would state that I based on my income I would have to pay nearly {$300.00}. I only have XXXX loan with them and over XXXX in federal student loans. The federal loans allow a lower payment based on my income, nowhere near the {$300.00}. I constantly get calls from them Morning and night even after XXXX, and XXXX and XXXX. They say they will work with me, but I have to somehow pay the {$1200.00} and they know I can not do that and all they tell me is you need to or you will always stay behind and it will be reported to the credit bureaus.
Product: Debt collection

NOTICE AND DEMAND Experian and XXXX XXXX is our collaborating together, conspiring to make false claims into the false claims act a {$10000.00} fine being charge daily against this living man depriving my right pursuant to title 18 to 42 the provision of rights a {$10000.00} fine being charged daily against Experian and XXXX XXXX  who continually violate the FDCPA laws and supreme court case law by these false claims creating an every parable event, putting this living breeding man under a state of mind of worry due to their acts under the color of law. I will be seeking to search for their surety bonds in there State at the insurance commissioners office, and put in a claim at the RISK MANAGEMENT state level for damages.
Product: Debt collection

According to response from XXXX in complaint XXXX ; XXXX has reported to the credit bureaus on behalf of XXXX. According to the goodbye letter from XXXX ( attached ) XXXX was supposed to send a 'Welcome Notification ' that would include my new account number, transition information, etc. This information was not received. XXXX did not have any account information for me and was unable to pull up an account for me when requested during multiple calls prior to XXXX XXXX taking the loan back. I would like XXXX to provide a copy of the welcome letter with new account information to prove I was notified and to show they were servicing my loan from XX/XX/XXXX - XX/XX/XXXX as noted by XXXX in the attached document.
Product: Credit card or prepaid card

The XXXX XXXX XXXX credit card company is blocking me from accessing and using my personal financial information with external applications such as XXXX and XXXX. This is my personal financial data and I have a right to Grant access to it to these applications or anyone I wish. XXXX XXXX XXXX just needs to provide a way to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two new derogatory student loan accounts just appeared on my credit report. These accounts are reporting on XXXX and Equifax. The account balances are XXXX and XXXX. These accounts were supposedly opened on XXXX of XXXX. All my student loans are paid and closed. I have not opened a student loan account since XXXX. These accounts are not mine and should be removed from my credit. They have grossly increase my debt reporting on my credit report. These are not my accounts.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00}
Product: Mortgage

I applied for a loan modification under the hardest hit program on XXXX XXXX 2016 through the XXXX organization XXXX told me they submitted my application on XXXX XXXX 2016 since that time ditech mortgage brokers South Dakota has changed my account number add an escrow account increased my payment and denied me my loan modification I never had an escrow account on my mortgage I paid my own taxes and my own insurance I 'd like to know why or how they change my account number for my mortgage added an escrow account to my account I never signed any such papers authorizing ditech to change or add my phone number are escrow fees im considering fileing a civil complaint against ditech of South Dakota thank you
Product: Mortgage

I applied to XXXX and was awarded payment for past due XXXX months mortgage plus XXXX  months fwd. The payment was sent to my mortgage lender - Planet Home Lending on XX/XX/22. It is now XX/XX/22 and the payment still has not been posted my account. I am XXXX days from XXXX past due bc they have not applied the wire transfer from XXXX. Ruining my credit- theres strange men trying to access my home and leaving letters from Planet Home Lending. Per Planet Home Lending an inspector! 
I have spoken with my case XXXX at XXXX & payment was accepted by Planet Home Lending. I did get the payment ID & ACH wire transfer info from XXXX & sent it to Planet Home Lending to locate the payment. They are saying they still have not located the payment to apply it to loan mortgage???? I do not understand why they do not have this applied after XXXX days. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to start building my credit because I am getting close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had paid for it and had the  account closed. I decided to pull my credit and there are a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is in violation of the FCRA 15 U.S. Code 1681b ( a ) ( 2 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 )