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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I gave formal notice on XX/XX/year> per 15 USC 1681c2 and provided documentation, under the FCRA Experian was REQUIRED to block and remove the information requested within *four business days*. Experian FAILED to comply with this request and deleted all items EXCEPT the XXXX XXXX  account # XXXX. Experian has lied in a letter sent to me on XX/XX/year> by verifying and stating, The items that you requested to be blocked as a result of identify theft have been blocked from your personal credit report.. This is not true as the XXXX XXXX  account # XXXX still is listed and they have added a comment on the account stating, Completed investigation of FCRA dispute - consumer disagrees.

This is completely ILLEGAL! I have been very patient, but have been keeping detailed records since starting my dispute against this account this year, as well as my follow-up complaints to the CFPB regarding their illegal reporting activity. This is a formal notice to Experian and the CFPB for failure to comply with my block and delete request under 15 USC 1681c2. Again, the fraudulent account, XXXX XXXX  account # XXXX, remains on my credit report despite the four-business-day requirement mandated by law. If the fraudulent information is not removed immediately, I will escalate this matter to legal action. 

Please find attached my dispute letter, FTC Identity Theft Report # XXXX, supporting documentation, Experians dated response, and copy of my credit report still reflecting the account.
Product: Mortgage

My loan servicing company : Fay Servicing and the trustee on my loan XXXX XXXX XXXX XXXX put me in a Forbearance period from XX/XX/2020 to XX/XX/2020 due to : ( Covid-19 aka Corona Virus ) The repayment plan date started XX/XX/2020 for six months. First mortgage payment of the amount of {$5200.00} with a repayment forbearance payment of {$5200.00} to pay for the XXXX payment XX/XX/2020. 
XXXX XXXX Fay Servicing posted 2 payments total XXXX. Today I received a letter dated XX/XX/2020 from Fay Servicing an NOTICE OF DEFAULT AND INTENT TO ACCELERATE against my home if {$39000.00} is not paid in full. That was not the written agreement Fay Servicing offered in XX/XX/2020 on the repayment plan. I believe as an minority senior citizen I have been taken advantage of this trouble Fay Servicing and XXXX XXXX XXXX. 

Furthermore, this is Mortgage Fraud practice by : Fay Servicing and XXXX XXXX.
Product: Debt collection

I have previously sent this company a written cease of communication notice, as I do not owe this debt and even if I did, it is long past the statute of limitations. 

Somehow, they have gotten my cell phone number and are calling me on my cell phone. 

After being told they were calling me on my cellphone without my consent the individual said they had the legal right to call my cellphone whether consent is given or not. 

I do not owe this debt. This debt is past the statute of limitations for collections. I wish to be compensated for the unauthorized calls to my cellphone
Product: Debt collection

On XX/XX/XXXX, I received an e-mail and letter from Navient attempting to collect on the discharged debts. On XX/XX/XXXX, my five Tuition Answer Direct to Consumer Private Loans were discharged under chapter XXXX bankruptcy case. Navient is contacting me and attempting to collect the discharged debt. 

Navient is also inaccurately reporting these direct to consumer private loan accounts as past due or in repayment on my credit reports for XXXX   and XXXX when they were clearly discharged XX/XX/XXXX. 

Navient was properly listed in my chapter XXXX bankruptcy schedules. They also received notification of assets and filed claims on XX/XX/XXXX. Navient also received notification of the bankruptcy discharge.
Product: Credit reporting or other personal consumer reports

Experian Report Number XXXX I have found numerous things wrong with this account on my report. 
On page 5, account XXXX In Account Info section : Recent Payment information is missing. Terms information is missing. 

In the Payment History section : All information from the opening of the account to XX/XX/XXXX is missing and from XX/XX/XXXX to present is missing. Also, XX/XX/XXXX shows a late payment which is impossible because I was using auto-pay at that time. 

In the Balance Histories section : The PAID column is completely inaccurate. It shows a {$97.00} payment on XX/XX/XXXX, then shows a XXXX dollar payment on XX/XX/XXXX seven times which is confusing and inaccurate. Also, in XX/XX/XXXX, it says a XXXX dollar payment was made on XX/XX/XXXX which doesnt make sense at all and is inaccurate. Also, all of the payment information from the opening of the account through XX/XX/XXXX is missing completely. 

Please correct all of the information listed above or delete the account from my consumer report. 
Consumer report attached.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am urgently requesting the removing of fraudulent accounts and inquires on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit and I expect immediate corrective action
Product: Debt collection

A agency by the name of credit collection service is trying to collect a debt that I do not owe..once I looked into the agency I found out they are not allowed to do business in the state of Florida..the debt occurred in Florida and I reside in Florida..they are blatantly disregarding the fact that legally they are not to practice in the state of Florida.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian And XXXX Credit Bureaus, a credit reporting agency that has provided inaccurate personal information on my credit report. Clearly I found the inaccurate information that appears on my credit report and it seems possible not belongs to me. I have previously disputed these inaccuracies with the Experian and XXXX credit reporting agencies. I am requesting to you that the credit reporting agency will promptly removed the inaccurate personal information on my credit report and provide me with an updated, accurate credit report without those inaccurate information that doesnt belongs to me. I believe that the inaccuracies on my credit report are affecting my financial well-being and creditworthiness, and I kindly request that the CFPB investigate this matter and take the necessary steps to ensure the accuracy of my credit report. The personal details and the inaccuracies on my credit report are as follows : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL,XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XX/XX/XXXX Balance : {$520.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$1000.00} Charged Off XXXX XXXXXXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$800.00} Charged Off Inquiries in Dispute : XXXX XX/XX/XXXX XXXX/EQUIFA XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Debt collection

I switched carrier from XXXX to XXXX on XX/XX/2022, I was assigned an Account No. I am the account owner of that account. I had autopay enabled on it and every month the amount had been paid for the bill accurately But some how XXXX had accidentally or fraudulently opened a sub account under my Account and they claim that I have to pay XXXX + XXXX XXXX And it has been sent to collection agency Receivables Performance Management LLC This particular account dint even show up in my XXXX app where I check everything and do my payments. 
My credit score got hit by XXXX points I called XXXX multiple times- they said it is with collections agent and we cant comment about the account. 
My question is you ( XXXX ) created a sub account for me without my knowledge and have been assigning a bill for it and you are not taking responsibility for it? 

I called this collection agent multiple times and also mailed them to dispute this and they said they ll interact with XXXX and I will get an update in few weeks. 

I want to get the latest update on my dispute. 

I want this to be removed from credit history Please help me with it. 

My reference no. Printed in the collection agency mail is : XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Prepaid card

On XX/XX/year>, I purchased a {$100.00} XXXX XXXX XXXX. I followed all instructions and activated it online. I went to use it and it declined. I checked my balance on line and there was a message advising that my card was blocked. I called the number on the back of the card, and was told that the only way to rectify the card being blocked and be able to utilize my {$100.00} on the card was to receive a replacement in the mail within 3-5 business days. Here we are, approximately 21 days later, and Ive yet to receive the card. Ive spoken with customer service ( all XXXX ) and have requested the card a couple of different times. Each time Im advised that its being mailed out expedited 3-5 day shipping with XXXX. Several times, Ive asked for the tracking number and was told they arent given one. I spoke to XXXX myself and was told there is a tracking number if thats the way it gets shipped. At this point, I feel like Im waiting on a card thats never going to arrive. Im tired of waiting to utilize funds placed on a card almost a month ago. 
Today, I wanted to inquire on the process of a verification of address ( as I was told has to be done at this point ). So I followed each step accordingly. I was asked to send my most recent tax return. I said, no, youre not getting all of the information provided on that for my address to be verified. The representative said I could send a bill. I emailed XXXX as advised, providing a bill in my name to my address within the the last 90 days ( redacting anything with private info such as my social security number ). In the subject line, I also titled it Replacement Requested multiple attempts and the cards serial number. The email auto generated said itd be reviewed in 72 business hours. I have my receipt, the original card purchased and several notes from many phone calls with the company, my email to the company for the verification of address and the names of each representative and supervisor that Ive spoken with. It is extremely concerning that on a couple calls, I did state that I was recording the call ( due to previous conflicting information given by some of the other representatives and was told I dont consent, I have to disconnect the call, despite when you call, it does say this call may be recorded for quality assurance and training purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently in my name. It was disputed buy all 3 credit reports and moneylion removed the account from two of my accounts the re-entered an update the fragile information on my Experian report. I haave provided police reports and fraud Affidavits and the account is still reported. I have made several attempts to contact them but I am hung up on every time
Product: Debt collection

Dear Madam/Sir, CFPB : I received a letter from a debt collector dated, XX/XX/XXXX, XXXXHowever. I just recive it, today, XX/XX/2021. I am disputing the debt collector do to an unknown credit card that is not mine and does not belongs to me. I call the debt collector and I spoke with one of the representatives and told him that there is an error and a mistake in there behave, because, I never had a credit card with : XXXX XXXX The mail representative Harras me and Thretening me saying that the unknown credit card is mine. I told him to STOP HARRASSING ME, AND I TOLD HIM TO STOP USING VULGAR LANGUAGE. I also told the debt collector to send me. 1 ) An original application to see who file the unknown credit card. 2 ) I need all the statements in relation to this unknown credit card. 3 ) I need all the receives, places dates of purchases and signatures on all the bills or receives. 4 ) The debt collector needs to STOP calling me also. If he needs anything must be in writing and mailed to my Lawyers. Thank you very much for your anticipated courtesy and cooperation in this important matter. Respectfully yours : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to the Credit Bureaus ' most recent investigation. Their conclusions do not hold water with me, and I demand complete accuracy. I am now requesting additional information from the Credit Bureau about these specific accounts in question since I am not confident that enough was done to genuinely contact the creditors who are reporting these inaccurate information on my report. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report includes the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXX XXXX XXXX XXXX Balance {$8600.00} Date Opened XX/XX/201XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to Experian, XXXX, and XXXX on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed items were furnished and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information and contacted XXXX XXXX XXXX listed on my credit reports and was informed that this information was never supplied to any consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I, Destiny XXXX, have experienced multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ). My credit report contains inaccurate, unverified, and unauthorized information, which has caused me emotional and financial distress. These violations include : Failure to Verify Accuracy Under FCRA Section 616 ( 15 U.S.C. 1681n ), the entities involved were required to verify the accuracy of the information before reporting it. They willfully reported inaccurate late payments and accounts without proper verification, which is a violation of the law and makes them liable for civil penalties of up to {$1000.00} per violation. 

Deceptive Practices Regarding My Rights According to FCRA Section 603 ( d ) ( 2 ) ( A ) ( 15 U.S.C. 1681a ), I was not informed of my right to opt out of sharing my personal information. This omission is not only deceptive but also a violation of my rights as a consumer. 

Inaccurate and Unauthorized Reporting Under FCRA Section 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), there is a duty to avoid reporting false or misleading information. Despite this, my report includes inaccurate accounts and hard inquiries that were neither validated nor authorized. 

Debt Collection Violations Debt collectors violated the Debt Collection Practices Act ( 15 U.S.C. 1692 ) by reporting alleged debts without proper consent, leading to unwarranted contact from creditors and causing me distress.

Unauthorized Disclosure of Debt Information These same debt collectors shared my private debt information with third parties, violating regulations against such disclosures. 

Misrepresentation of Late Payments Late payments were reported on my credit file without defining what qualifies as " late, '' which is both deceptive and a violation of FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), requiring accurate and fair reporting procedures.

Unauthorized Use of My Credit Information My credit report was accessed and reported without my explicit written consent, breaching the permissible purposes outlined in FCRA Section 604 ( 15 U.S.C. 1681b ). 

Inaccurate Personal Information Incorrect addresses and other personal information remain on my credit report, even after disputes, in violation of 15 U.S.C. 1681i, which mandates the correction of disputed inaccuracies. 

These violations have had a direct and negative impact on me. I have formally demanded that the inaccuracies and unauthorized entries on my credit report be corrected, removed, or updated to reflect accurate information. This includes : Updating late payments to reflect " paid as agreed, never late. '' Deleting unauthorized hard inquiries. 
Removing incorrect addresses and inaccurate personal information. 
Deleting accounts that were added without my consent or validation. 
If these issues are not resolved promptly, I will have no choice but to seek legal remedies under the Fair Credit Reporting Act. I am entitled to fair and accurate reporting, and I will take the necessary steps to protect my rights.
Product: Money transfer, virtual currency, or money service

I wanted to transfer money into another account and was not allowed access by Zelle ; the amount was {$200.00}.
Product: Mortgage

I closed on a refinance loan on XX/XX/XXXX. 

1. I spent over {$5000.00} to buy down the interest rate because I was told that my home did not appraise and they changed the rate. Even after another home closed next to me in my neighborhood during the loan process at a much higher price, they still would not change the appraisal. I was not able to change to another lender because the rates skyrocketed in a two week period so I closed on the loan. 

2. Two mortgage loans appeared on my credit report showing they were opened on XX/XX/XXXX by two different loan servicers. The first payment showed as XXXX even though it was not due until XXXX and paid in XXXX. 

3. My deed has not yet been recorded with the county as of XX/XX/XXXX. I have not received the official deed or my title insurance. When I asked for it, I was provided with a copy of the closing documents which included what they called a deed. I have never seen a deed that has all these payment terms and stipulations on the deed itself. It is leaving me to question the terms I originally closed under and the business practices of the lender. It is very confusing and I have had many home loans during the last 30 years. I have never experienced this. 

I do not completely trust the lender is capable of servicing my loan correctly after these incidents.
Product: Checking or savings account

I opened a account with USAA and it closed for no reason by USAA telling me that I had tried to run a scam by opening my account, would not give me the real reason. I was in the process of purchasing a car and the dealership who i selected must did not have a good rep with USAA so they closed my account because something that had nothing to do with me. In the process of filing a lawsuit because my account was closed without out cause and something that had nothing to do with me. It was not fair and I should not have had my accounts closed. They would not even tell me why my account was closed. I want my account reopened and a apology because I was accused of something that was not true.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX