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

This is a follow up from dispute XXXX submitted on XXXX/XXXX/2020 I have resubmitted my claim along with the requested documentation I have included a copy of my social security card, drivers license, birth certificate, utility bill verifying I XXXX XXXX am submitting this dispute.On XXXX/XXXX/2020 I mailed a letter to experian disputing my account with XXXX XXXX XXXX and the company the debt was sold to XXXX XXXX XXXX. On XXXX/XXXX/2020 I received a copy of my credit report stating iteam remains unchanged from our processing of your dispute in XXXX 2020. On XXXX/XXXX/2020 I mailed in a letter requesting their method of verification a week later I received a post card in the mail stating they would investigate on XXXX/XXXX/2020 I received a copy of my credit report again and in the account was updated from the dispute in XXXX/2020 on XXXX/XXXX/2020 I mailed in a letter stating XXXX has been found guilty in a court of law of predatory lending practices and fraud and has been ordered to remove all negative information from my credit file along with the court documentation from the Arizona State Attorney Generals office. On XXXX/XXXX/2020 I received a copy of my credit report experian updated the comments stating I was recalled to active military duty. I have never claimed to be in the military nor did I state I have been called to active military duty wich would require me sending in documentation from the government or a military ID. Experian is not doing their job and properly verifying information on my account at this point they are making up stuff I have been negatively affected by their negligence I have been denied numerous job and housing opportunities due to experian not properly verifying information on my credit report. On XX/XX/XXXX I submitted a complaint XXXX with CFPB and experian once again refused to investigate my complaint their reasoning was they did not believe it was me submitting this dispute.
Product: Mortgage

We fell behind a few months behind in our mortgage payments due to financial hardship! They are now charging us over {$2000.00} in legal fees and saying we have to come up with over XXXX in a reinstatement fee! This company has refused to offer any payment plan and will only allow us to make any payments through XXXX which cost us additional {$30.00}! Needless to say we only owe {$5000.00} left on our trailer!
Product: Debt collection

In response to Monterey Financial Services statement on XX/XX/XXXX. According to the contract uploaded by Monterery Financial, the address used to open the account is not my current address. The contract lists XXXX XXXX XXXX XXXX, XXXX, FL XXXX as the address for the account with an IP address of XXXX. I have lived at my current address since XXXX. I have attached a copy of my Electric bill from XXXX showing my address. Therefore, this information is inaccurate and Monterey has failed to notify each consumer reporting agencies of this inaccurate information. Furthermore, the contract was electronically signed therefore it does not contain a valid signature which is a sign of possible identity theft. A letter was sent to Monterey Financial Services on XX/XX/XXXX which was received and signed on XX/XX/XXXX. The letter requested information that was used to obtained the loan. According to the Fairs Credit Report Act and Debt Protect Act, the furnisher is required to provide me with any and all information used to open the account if provided an Identity Theft Report. Monterery has yet to comply with the request as well as a cease and desist request. A letter has also been sent to XXXX, the company Monterey stated on their last CFPB response which was assigned to them. A final letter will be sent on XX/XX/XXXX ( 30 days after receipt of first letter ). If the furnisher does not comply I will take legal action against Monterey Financial Services.
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 XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXXXXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND HAVE NO SIGNATURES ON FILE FOR ME TD AUTO FINANCE XX/XX/XXXX 2 XXXX  XXXX  XX/XX/XXXX AND XXXX XXXX.
Product: Student loan

For the last 10 years have been paying granddaughters student loan as she is deceased. The lender tells me it doesnt matter that she is deceased as I am the co-signer. Students cant grt loans for college without co-signer I am on a fixed income
Product: Checking or savings account

Deposit to savings account was unauthorized can you provide me image of check also proof of payment or proof of receipt deposit date XX/XX/2017 account # ending in XXXX and check # XXXX amount {$20000.00}. ( item # 2 in document submited ) item # 1 deposited through your atm on the same day for the same amount. 
account # ending XXXX check # XXXX amount {$20000.00} i do have the image for that item i am requesting the image for the counter deposit for XXXX on XX/XX/2017. 
thank you.
Product: Debt collection

+++++ ATTENTION XXXX XXXX +++++ XX/XX/2022 at XXXX I received a call from XXXX XXXX. I asked if she was a debt collector and she refused to state if she was a debt collector. XXXX would only state she was a third party representative for Trans World. XXXX was calling me at a inconvenient time while i was working. XXXX used used of obscene or profane language while asking questions that made very uncomfortable and caused me a great deal of XXXX  XX/XX/2022 around XXXX I received another call from XXXX XXXX XXXX I told her not to call me asking for money that I do not owe her or the company she works for because I am not in contract with her company. I told XXXX XXXX she caused me a great deal of XXXX  from her previous call on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX then transferred my call over to her supervisor XXXX XXXX. I told XXXX to place me on the do not call list. I then asked for the name of the CEO of the company she works for. After XXXX provided the name of the CEO ( XXXX XXXX ) I asked XXXX if she was familiar with Familiar with the Fair Debt Collections Practices. XXXX XXXX said " yes I am ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX and XXXX XXXX XXXX immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
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. 

XXXX ( original creditor : XXXX XXXXXXXX XXXX XXXX XXXX ), Account # : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ), Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX 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 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 or other personal consumer reports

This has been causing me undue stress and XXXX, my credit report has inquiries I don't recognize nor applied to, I did not give permission to these companies to pull up my credit report, I believe this has been fraudulently placed on my report.
Product: Mortgage

RightPath Servicing has and continues to engage in Loan Servicing Fraud. RPS ( RightPath Servicing ) is misappropriating my mortgage payments by not applying them towards the contracted monthly mortgage payment as described in the mortgage agreement. RPS has deceptively created fees in order to create a false situation of payment distress. RPS is now attempting to implement a Loan Modification, simply for their own monetary gain. I have never requested a loan modification as one is not needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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 Inquiries 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 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all of the accounts listed below be blocked and deleted from my credit reports, in accordance with 15 USC XXXX ( a ) and FCRA XXXX ( b ), as I am a victim of a data breach. The accounts listed below are fraudulent and do not belong to me. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Inquiries Linked to Fraudulent Accounts : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Credit card

I have been a loyal member of the US Bank XXXX XXXX XXXX Visa Credit Card and the main reason for maintaining this credit card and paying the annual fee for the last couple of years has been to utilize the bonus award night feature that comes with this card. On XXXX XXXX, XXXX XXXX has been pulling back the bonus award night feature starting XXXX and replacing it with a free night feature that requires $ 10k spend/yr. I would not be able to utilize the new benefit and am seeking compensation for this drastic change in the form of annual fee refund ( that I just paid ) as well as XXXX XXXX XXXX points credit that I would now need instead of using the bonus award night feature for XXXX of my trip planned this year.
Product: Credit reporting or other personal consumer reports

I received a loan to purchase a vehicle through USAA. In or around XX/XX/XXXX, the vehicle was reported stolen. I filed a police report with the XXXX, XXXX, and XXXX XXXX XXXXXXXX. The vehicle was later spotted by the police and a pursuit ensued eventually concluding with the vehicle being wrecked. The vehicle was totalled. As the vehicle was financed, I was required to have full coverage. Additionally, please see Nevada state law concerning theft of a vehicle : XXXX. XXXX The owner or bailee of a vehicle is ordinarily not, as a matter of law, liable for injuries caused by the negligent operation of the vehicle by a stranger who steals the car. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, I was required to have XXXX insurance. Therefore, this debt is invalid.
Product: Debt collection

I have an account with United Credit Solutions I was told by XXXX XXXX that I could do a settlement but she had to speak with the client first to see she stated again that she has to inform the client she is willing unwilling to give me aa settlement for the account I called back and stated can I informed XXXX XXXX that I have worked with other credit collection agencies and never been treated this way and know that this is being used against me as racism
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX XXXX the following : In accordance with the Fair Credit Reporting act Convergent Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO OPEN ACCOUNTS. I DID NOT APPROVE ANYONE TO PULL MY CREDIT. 


To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection/ charge-off accounts listed on my credit report under the account. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report.

I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file. 

Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. 
Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Product: Mortgage

The problems began more than a year ago when I asked for a loan modification. I could not afford the payments as they stood. The loan modification was completed and granted, however, the payments on the mortgage loan increased causing further delay in making the mortgage. I called the mortgage company once I received the loan modification and was given a contact person to discuss the loan modification. I called and left messages 5 times to no avail, and did not receive a return call. We are now in a short sale situation and again, I am having issues with this company. I have asked on seven separate times, either through email, or personal contact by phone, for a payoff statement amount and a short sale package as we have a buyer for the home. My last contact with them was XX/XX/2019 and XX/XX/19. Both times I was told that I would receive my requested information by the end of the day, and both days I did not receive the requested information. I have read many customer reviews relative to complaints to this company and find their treatment towards me is typical. Last night, XX/XX/2019, I again called the company at XXXX XXXX and asked to speak to the manager. After an extremely long wait I did speak to a manager and was informed that Loss Mitigation needed further documentation from me, however they did not address my numerous requests. They requested that I provide them with a listing of the property and the sales contract, which they did not request after I contacted them 7 times ago. But it appears to me that if I don't provide them with the documentation they have requested, they will not send me the information that I need, sort of blackmailing me. I can not provide them with a copy of the sales agreement until I have the information that I initially requested. I have contacted my realtor and am waiting for a response from them. May of the complaints I have read indicated that the company consistently requests further information in the form of documents, thus slowing down the process, and I feel this is happening to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX  XX/XX/year>
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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

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 my 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. 



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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. 



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 my 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. 



In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2022 Balance {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I have file with Equifax on a fraudulent account on my credit report. I had submit a police report of this fraudulent account and still showing on credit report. I am requesting for Equifax to remove this from my report. I also requested for a manager to call me and never did. They are not protect my right.
Product: Bank account or service

I inquired specifically regarding the ability of the Citi Double Cash credit card, with regard to their ability to separate out charges for the multiple users of this card. I was told on XXXX ( XXXX ) separate occasions that this could be done. Upon receipt of my XXXX bill all of the charges were lumped together. I contacted their customer service and they said there was no way they could separate out the charges. This was totally misleading and I went through a long and arduous process to move our accounts over to this bank.