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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$4900.00}
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, {$520.00}, The company place on my credit report without give me the rights to file criminal charges or dispute. I am a victim of identity theft and it shows the original creditor was XXXX XXXX. It also show it has been either sold to an Attorney and states false reporting of Remarks : AFFCTD BY XXXX/XXXX DISASTR ; >PLACED FOR COLLECTION. I dont owe anyone bills and I was not given the Rights under the Fair Debt collection Law and it states it was paid on XX/XX/XXXX another false reporting and up for collection until XXXX. I Dont have bad credit and this company has violated my rights by just putting false information on the credit report to collect on an old account that was found to be identity theft. It was either sold to a third party which, if its an attorney 's office I will be filing with the Texas XXXX XXXX XXXX for this deceive practice and false reporting. It states owned by an attorney collection agency with I will be filing as soon as I find out what Law firm has this account for reporting false information to the Credit Bureau along with Filing on XXXX XXXX with for a congressional hearing to investigate XXXX XXXX for stealing an account to a third party and having them account that are pass the statute of limitation for collection and them reporting false info to put on the credit report.. I also dont have an account number, name of Attorneys office that purchased the debt, phone number any other information to that Attorney office who put them on my credit report under false and misleading information. This attorneys office has violated the law and has put something on credit report without allowing me the right to dispute. This attorney has abused his or hers POWERS by putting info on the bureau that are OLD and passed the status of collection of 7 years and have put this on my credit until XXXX. IT '' S considered to be harassing of this attorney because I am listed on the credit bureau as a victim of fraud and I don't have any bad credit. I pay my bills and this can stop me from getting my STUDENT LOANS and have my Credit cards Closed. I don't knw how long this has been on the XXXX, but I got info from Experian. This could explain why one of my XXXX XXXX  closed my account. The Attorneys office is considered to be hiding because I do not have any information to report to the Texas XXXX XXXX to have them investigated as well. All it shows on the credit report as account number-XXXX XXXX # XXXX
Product: Mortgage

I have had 2 issues with Freedom Mortgage corporation.

Issue 1- In XX/XX/XXXX I made the decision to pay for my home insurance directly. 
Freedom Mortgage contacted me to say they were going to place a Forced Insurance Policy on my account because I did not have insurance. I informed them there was a policy, and they asked me to upload a copy of the document on MyCoverageInfo.com in XX/XX/XXXX, XX/XX/XXXX ( when I was made aware the issue was not resolved ) and again in XX/XX/XXXX when I followed up. My browser history confirmed I had done this multiple times. To date, I have not received my reimbursement for the cost of their forced insurance coverage. This is the 2nd time they had done this, as they charged me again in XX/XX/XXXX and only credited 1/2 of the policy back to me. 
Over a dozen calls to customer service did not resolve the issue. 
Issue 2- I sold my home on XX/XX/XXXX. The title company paid 100 % of my XX/XX/XXXX tax bill. Thus, all of the money in my escrow account should have been refunded to me in 30 days per Federal Law. As of XX/XX/XXXX, Freedom Mortgage confirmed they are going to pay the county my tax bill, wait for the refund ( because its already been paid ), then send me the balance back within 14 business days after they receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last  five ye ars we ( myself and another person in my household ) have been unable to get Equifax  '' s free cr edit report online. We have never had such a problem with the o ther  XXXX  credi t agencies. My notes from  two ye ars ago indicate that when I called Equifax about the problem the person I spoke with was able to fix something so I could access it and print it out. Last year I called and was told to log onto my Equifax account, access the tabs on the left and access it that way. It worked last year.     In  XXXX  of this year I again could not get the info online ( the last screens states they can not provide it online and that I need to request it by mail ) so I called them and was told that they could only provide it by mail. The solutions that worked t he prior two years would not work - even though I was able to access my online Equifax personal   account! Equifax then took my info over the phone and I received the free report in the mail about 10 days later.     I called Equifax again a few minutes ago and was tol d two stories : 1st : To get it online I would need to pay a fee. I responded that their screen said nothing about  such and the other agencies provide it online for free. I asked "  XXXX  '' to verify her response with someone else.      2nd :  When she came back on the phone "  XXXX  '' said that they thought the problem is with  XXXX  and not them ; hence, they ca n't help me. I advised her that the site works fine with the other credit agencies so the problem must lie with them. I could get no satisfactory reason for the problem. I told her I would file a formal complaint with you.     I would like to get this resolved so we can get future Equifax reports online rather than risk their being lost in t he US Mail.  Your help will be appreciated.      XXXX   XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/, I fell victim to a multilayered scam operation orchestrated by XXXX  ( XXXX ) ( the Company ), with the design, development, manufacture, promotion, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a the predetermined cycle of client losses to gains.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you find a payoff letter from XXXX that states loan was paid in full as agreed. It was not part of Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents. 
Equifax has erroneously prevented me from opening an account with XXXX. Equifax has an error on its side I need it to correct. I am unable to reach Equifax by phone or on-line, as explained in an attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$530.00} XXXX XXXX {$2600.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX  XXXX {$17000.00}
Product: Debt collection

I filed a compliant with your agency in XX/XX/XXXX, company never verified debt with collection agency and it was deleted from credit report. In XX/XX/XXXXit was sold to another agency which is reporting in my report without validation. 
Consumer Financial Protection Bureau Reference Number : XXXX ; XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within XXXX  days will leave me no choice but to pursue all legal counsel to protect my rights.
Product: Checking or savings account

On XX/XX/2022, my joint account ending in XXXX was closed due to fraudulant activity. B of A allowed me to open an account, ending in XXXX, but not my wife. On XX/XX/2022, my business account with B of A was compromised and I froze that account. The XXXX XXXX. for B of A automatically froze my personal account, ending XXXX, which from my understanding there was no fruadulant activity. B of A sent my name to " XXXX '', using the fraudulant activity on XXXX XXXX, 2022 which has prevented me from opening an account at any financial institution. At the same time the funds in my account ending in XXXX approx. {$2200.00}, have not been sent to me. B of A said they sent it but I have yet to receive it, and it's been over a month. My Social Security check, which I get on the XXXX of each month, they took it and did not tell me they had it on an account they closed. The only way I found out is when I called to inquire about my balanced funds on that account XXXX. Taxes were due XXXX XXXX and have been threatened by various utilities companies the suting me down.
Product: Debt collection

XXXX XXXX XXXX Penn credit keeps calling my unsolicited home phone looking for someone who is NOT, and has never been at this number. I have relayed this to Penn Credit on multiple occasions and they continue to harass us looking for this individual. I will be submitting complains in all possible ways. My home number is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not investigate my complaint and closed the case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INFORMATION SERVICES LLC XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Re : Consumer direct dispute of inaccurate/incomplete item of information in consumer file To EQUIFAX INFORMATION SERVICES LLC, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Social Security # is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My DOB iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The item of information below that you report is inaccurate and I request that it be deleted : Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. Please delete these outdated addresses and update with the one above. 

My only Phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all Information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Given the nature of all the inaccurate item of information, it is clear this may be a mixed file scenario. 

Mail me a copy of the complete consumer file that you have on me after you act on this dispute. 

If verified, I request a description of the procedure used to determine the accuracy or completeness. 

I have enclosed a copy of my [ Drivers license and a utility bill as proof of my identify and mailing address. 

Be advised, the above and enclosed are sufficient information for you to legally act on my dispute. Any delay tactics or needless requests for information will not avoid your legal obligations to me.
Product: Debt collection

On XX/XX/2023, National Credit Adjusters received a debt validation letter from XXXX XXXX. National Credit Adjusters did not validate the debt that National Credit Adjusters claim I owe. As a result of that failure, National Credit Adjusters also received a letter demanding the deletion of the alleged account from all consumer reporting agencies on XX/XX/2023. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days. National Credit Adjusters have triggered Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). National Credit Adjusters neglected to respond or comply. National Credit Adjusters has obtained my personal private information including but not limited to my social security number, outdated addresses, names, and phone numbers which is a violation of the Privacy Act because National Credit Adjusters do not have a certified document granting them permissible purpose to furnish anything about me or to have my information for that matter. I did not give National Credit Adjusters legal permissible purpose per FCRA. National Credit Adjusters is a known junk debt buyer. Per 15 USC 1692K Civil liability, National Credit Adjusters is now liable for violations that they have carelessly committed. These behaviors are also considered abuse and harassment. I am aware that National Credit Adjusters was sued by Bureau of Consumer Financial Protection ( Bureau ) for abusive deceptive practices and behaviors towards past consumers. National Credit Adjusters are barred from certain collection practices and is permanently barred from working in any business that collects. National Credit Adjusters was ordered to pay {$500000.00} in civil penalties. National Credit Adjusters. National Credit Adjusters was also sued by Lamont V. Thompson for illegal practices. National Credit Adjusters will be sued again if National Credit Adjusters continues to stand outside of compliance of my federally protected consumer rights by not complying with the FDCPA, FCRA, and Privacy Act. The actions National Credit Adjusters have committed constitute identity theft and fraud. National Credit Adjusters will be reported to the FTC.
Product: Credit card or prepaid card

My credit card was abruptly closed without notice. There is a large credit balance on the account. I would like the company to refund the credit balance ; either by sending me a check, or by simply reversing the bill pay payments coming from my external bank account.
Product: Money transfer, virtual currency, or money service

My account was held for more than 180 days. It was held since XXXX. The Paypal user agreement states that funds can be held for a maximum of 180 days. Paypal have not responded to me even though this deadline has passed already. I want to withdraw my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Current address is showing with a unit number but this address does not have a unit number. Disputed address with XXXX  and TransUnion and update did not remove unit number. 
XXXX XXXX XXXX XXXX ( NO UNIT NUMBER BUT XXXX IS LISTED AS UNIT NUMBER ) Please remove unit number from this address
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX XXXX XXXX listed on my credit report, that i do not recognize, that i did not apply for without my consent or knowledge.
Product: Mortgage

I brought a home from a builder and he would not approve me for the home, so he sends me to one of his preferred lenders and they approved me for the home after they tacks on about {$2000.00} more dollar of the originally price but quickly sold my loan to another mortgage company Mr. Cooper the next month. I had been in the hone almost 8 months when they said I paid too much money in my escrow so they did a risk analysis and refund me almost {$2800.00} and the next month I got a bill for {$4000.00} ( MUD ) and {$6500.00} ( taxes ), they said I had a {$11000.00} shortage and the money already in my escrow they are saying I can't use it toward my shortage. I am short because they didn't do their job finding out how much taxes I owe my house for this year before they refunded me the majority of the money back that was in the escrow. I have given them over {$7500.00} and the {$3100.00} in my escrow account they are saying I can't use that money toward my shortage, but they are paying my FHA and my Hazzard Insurance, but I can't use that money toward my taxes. they did another risk analysis, and my new mortgage payment is {$2600.00} if I don't pay the shortage. If I do pay the shortage my new mortgage will be {$1400.00}. The first year i was {$1200.00} and that when they said i was paying to much and refund me the {$2800.00} and drop my mortgage to {$910.00} and a month later, I find out I owe {$4000.00} ( MUD ) & {$6500.00} ( taxes ) and if I don't pay the shortage my mortgage will be {$2600.00} for XXXX XXXX I have sent them {$7500.00}, and right now I have {$8800.00} in my escrow, but they have paid out {$930.00} for my hazard insurance and {$92.00} for FHA in XXXX and XXXX so they are still using money out of my account, but they said I have to pay the whole shortage of {$11000.00} and i still owe {$3700.00}. After I did the math, I calculate I owe {$2800.00}. but they paid my hazard insurance and the FHA and i still have to make up the money they spend, they are not willing to deduct that form the shortage and I can't use the money in my escrow to pay the shortage when i am putting money in my escrow to make up the shortage. What they are saying is not matching up to what they are doing. How can that be. I shouldn't even be paying FHA because I put {$200000.00} down on a {$340000.00} house. they charge me an extra {$200.00} for going FHA the previous lender so I only finance {$140000.00}. I put all my money into the house, and they are trying to steal my house from me or make it difficult for me to afford it.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 XXXX 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

I went to XXXX XXXX XXXX XXXX  they told me they would pull me credit once but i had multiple hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

I am unable to open up a new TD checking account because TD incorrectly has a fraudulent account listed as a " charge off '' in the amount of {$1500.00}. That account has fraudulent transactions on it and I should not be responsible for any of it.
Product: Checking or savings account

On XX/XX/XXXX some orders showed up on my USAA Federal Savings Bank XXXX account. These charges originated from XXXX and XXXX. I immediately contacted XXXX and USAA and XXXX to report the fraud. USAA was contacted on XX/XX/XXXX and the temporary credit appeared on XX/XX/XXXX. I was not at home at the time and arrived back home on XX/XX/XXXX. The bulk of the items were delivered on XX/XX/XXXX but were not present when I arrived home on XX/XX/XXXX. I reported this to XXXX and XXXX as well as USAA. On XX/XX/XXXX the Debit Card Recovery reversal in the amount of {$1900.00} appeared on my USAA account. I received a letter on XX/XX/XXXX stating that 6 of the seven items that were claimed as fraud were found to be not fraud and one item was found to  be fraud. USAA finally ensured that the affidavit was sent to me as well as supporting documents after the decision on XX/XX/XXXX and XX/XX/XXXX. I was told by the Fraud Claims Department that submitting the affidavit will do nothing to change the decision already made. I also attempted from XX/XX/XXXX onward to contact XXXX and XXXX to settle this matter. Both XXXX and XXXX stated that because the fraud claim was submitted to USAA for the Debit card fraud that it was impossible to submit claims with their companies. Even though I followed the procedure of the Bank and XXXX and XXXX by reporting this fraud immediately, They continue to deny fraud occurred. I believe that saving my XXXX card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.. I have exhausted all avenues of settlement and desperately need help in settling this matter. Returning the {$1900.00} to my account is the only fair resolution in this matter. I followed the procedure and immediately reported the fraud and yet I am being held responsible for the disappearance of the packages that did not order in the first place. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.