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

I am writing to formally lodge a complaint regarding the numerous and unsuccessful attempts I have made to remove inaccurate addresses and fraudulent inquiries from my credit report. These inaccuracies are detrimental to my financial standing, and I am seeking your immediate assistance in resolving this matter.

I discovered that my credit report issued by 3 Credit Bureaus contained multiple inaccurate addresses and fraudulent inquiries that do not belong to me. These inaccuracies not only affect my credit score but also pose a risk to my personal information and financial security. Despite my persistent efforts to have these issues corrected, they have not been resolved.

I kindly request that you take the following actions to address this issue : Conduct a thorough investigation into the inaccurate addresses and remove them from my credit report.

Investigate the origin of the fraudulent inquiries and remove them from my credit report if they are found to be unauthorized or fraudulent.

Provide me with written confirmation once the inaccurate addresses have been removed, and the fraudulent inquiries have been rectified on my credit report.

Ensure that no further negative impacts occur on my credit report due to these inaccuracies.

I understand that the accuracy of my credit report is crucial to my financial well-being and security. I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities.

I hope for a swift and satisfactory resolution to this matter. I appreciate your immediate attention to this issue and thank you for your prompt action in this matter. Please assist me to remove the following inaccurate addresses and fraud inquiries in my credit file : 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: Mortgage

My homeowners insurance renewed in XXXX of XXXX. The insurance is paid through Mr. Cooper, Mr. Cooper collected payment to include the homeowners insurance payment monthly ; however, I received notice from the carrier stating the insurance lapsed. Mr. Cooper rarely answers the phone and my insurance has been the same since they purchase my mortgage. My concern is them collecting payment and not remitting payment to the appropriate entities allowing my insurance to lapse.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Cease and Desist Request for Deletion of Collection Account Dear Midland Credit Management XXXX I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Bill of Sale 4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

7. Date of Last Activity I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name. 

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA placed a fraud alert on my credit report without asking me or obtain8ng my approval. Likewuse, the alert tells creditirs to call me but provides no phone number to contact me. As such, i have been denied credit, specifucally from XXXX XXXX XXXX  for this issue alone. They aporoved and were going to open my account but declined. Ecause if this alert and no way to contact me. I have tried numerous times to have it removed to no avail. This includes emails, faxes and letters vial mail with the proper request and required identification difyments. I again tried last week by facing, mailing, and trying to upload online as directed. Their online submission keeps gaving internal errors ampnd will not finess processing and submitting. I have also been hung up when trying to reach someone by phone and now can not access my online account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Experian since XX/XX/2018 disputing the accuracy of an account on my report. Ive been asking them to provide me with the method of verification used to determine the accuracy of the information they have against me. According to the FCRA section 611 ( a ) ( 7 ), if I request verification they must provide it to me. Experian has not responded properly to these requests. They are in violation of the FCRA.
Product: Debt collection

The attached True and Lawful Affidavit explains the circumstances of how Ive been victimized from fraudulent and deceptive trade practices and swindled out if thousands of dollars on an alleged account of which I was not loaned money nor goods nor services nor ANYTHING OF VALUE by this pretend lender. This account was paid in full by the US Treasury per the law. Im prepared for litigation should they deny the Truth. I advise that all supervisors immediately submit this claim to the CEO, COO and its attorneys on retainer along with the Accounting department so that they may immediately confirm the validity and accuracy of my Claim in this BILLING ERROR DISPUTE. This creditor can NOT validate any debt alleged to be mine. I have incurred significant damages from their deceptive practices and debt claims. I want a quick resolution. This claim will also be served via mail. This pretend lender solicited me as a consumer and approved my truth promising to forgive a loan but did not. They are equally responsible for any alleged loan if not fully responsible as they were to do Due Diligence knowing what was needed and approvals. Their employee XXXX XXXX advised and instructed to submit the application. I have recordings of her instructions. I followed them as the leaders and the knowledgeable experts who would not mislead, nor deceive. Furthermore there is no money to loan nor any debt. They have already been paid by US Treasury from Federal Reserve practices of GAAP. THEY ARE ALL COMMITTING what appears to be FRAUD. I have also repeatedly asked to stop XXXX and send printed statements and allow for mail in payments for transparency and accountability. They have violated my every right by not accommodating my needs. The loan could never be in default because its already paid in full however they wont accept any payments regardless unless drafted from a checking account. Law requires any negotiable instrument. Finally theyre accounting is sub par. I have repeatedly received several notices of default when the account was already in current status paid as agreed. The rep, XXXX XXXX, pleasant and helpful, on a recorded line said that it was a system error and my account was in good standing. Yet the error lasted for months with me receiving false default notices. I complained by email and certified letter to no avail with no responses whatsoever. Shut this business down unless they can truthfully signed the attached affidavit of the money-loan debt validation. Not a request to verify my name and SSN on an account and the debt amount. This is a true challenge to validate a money loan was made to me from Liberty SBF. They have been asked numerous times to do so but have NOT. and CAN NOT. I BELIEVE THIS IS FRAUD FROM DECEPTIVE TRADE PRACTICES HIDING BEHIND TRADE SECRETS. THERE IS NO MONEY EXCHANGE HERE BECAUSE THERE IS NO MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my identity information fraudulently to open up different accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Portfolio Recovery Associates, which is the name of the company who is repeatedly calling me, continues to harass me almost daily about a debt that has been written off more than 7 years ago. I asked for them to stop calling me and they refuse. I received a call from them today waking me up out of my bed at XXXX from XXXX , TN from this number : ( XXXX ) XXXX, Thursday from XXXX XXXX , MO , at XXXX, from this number : ( XXXX ) XXXX, Wednesday from XXXX KY , at XXXX, from this number : ( XXXX ) XXXX I need it to stop!!
Product: Mortgage

Since XXXX of this year, I have been working with Wells Fargo to sign a split-sign loan modification for the COVID relief fund. There have been numerous delays and incorrect documents sent to me. I have called them at least a dozen times for updates on this loan and they were never able to give me an answer. I have sent in the forms 3 times, only to have them destroyed and blanks sent back to me saying what I need to fill in, without mentioning what was missing previously. 

The last time I sent in my signed and notorized documents, I called Wells Fargo and had a Home Preservation specialist walk me through all documents and confirm that I had all forms necessary before I sent them in. That was 3 weeks ago. Today XX/XX/21 I received blank copies again stating the same requirements, again, missing the comments as to what was missing previously. 

The home preservation department and who ever is receiving these documents are obvious

ly 2 separate entities because no one has any idea what is going on with the other. This is the second complaint filed for this purpose, their executive
contact reached out to me and did make an effort to remedy this but as of today, I see no positive results what so ever of that attempt. I have only received calls from my home preservation specialists 3 times, leaving a message, but never being available when I called back. I have never spoken to my assigned home preservation specialist, who has recently changed names. 

I need someone, in person, to walk me through what is needed. I also want to be sure I am being protected against foreclosure because of this horribly managed process that will now take several weeks longer to address. 1 party that needs to be present is in the military ( contractor ) and is often overseas and is limited to what mail he can receive. 

This is an absolute mess. I have never dealt with worse communication regarding someone's basic right to have a roof over their head. I would appreciate much greater attention to this matter this time around rather than just forwarding it to my bank like the last time this complaint was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accounts missing. XXXX XXXX XXXX XXXX stated they sent a request to transunion XX/XX/22 with a request to add all my accounts back with a good paying history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2023 RE : XXXX XXXX XXXX XXXX No Response To whomever it may concern : According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history, note or other instrument bearing my signature.

15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

I expect to see a response from you within 15 days proving the validity of this account. If you can not validate this account, then I ask that you immediately delete this from my credit reports. 

The following accounts are listed below : XXXX Account number : XXXX ( Balance {$26.00}, XXXX ) XXXX Account number : XXXX ( Balance {>= $1,000,000} ) XXXX Account number : XXXX ( Balance {$1000.00} ) Thank you and best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to pay a {$2500.00} vendor invoice received via XXXX, upon checkout I was solicited by XXXX to utilize the XXXX option for the billed amount. 

Upon applying for the solicited proposition, I received a notification that additional information was required. 

Upon calling XXXX, I was notified by their representative that the amount requested was not within range of the allowable limits within the program and that the cap was {$1500.00} I was more than welcome adjust my amount requested down to the allowable limits of {$1500.00} XXXX explained the problem in this was that I'm very credit conscience and the negative impact I'm facing is a new a inquiry for each of the three credit bureaus, lowering my credit score as a result of the solicitation for an amount under their program that I was never eligible for. 

My request was that the hard inquiries be removed as I was solicited under a false/unclear pretense of " bait and switch. '' The response received was along the lines of ( paraphrasing ) " You'll know better next time; you should have read the fine print before applying '' " Caveat emptor - or " buyer 's beware '' in a sense. 

I explained there should be such a necessity when your company solicited me directly for the amount that was clearly disclosed on the invoice for an amount that you knew exceeding the guidelines of the program. 

After a few rounds of attempts to convince me to apply for the available {$1500.00} to which I vehemently denied as I had other payment options, I requested to speak to a manager.

The manager XXXX would not address the reason I was solicited in the first place and backed up the position that the hard inquiries could not and would not be removed and after a long pause, he just hung up.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and came across something that doesnt belong there. Theres an item listed that I dont recognize and never authorized. I have no connection to it, and its bringing my credit score down unfairly.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any XXXX XXXX company working on my behalf. I believe I am a victim of identity theft. Due to the XXXX we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports and found that this ALLIED COLL ( Original creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Here is the account being in question : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4900.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 or other personal consumer reports

I am writing to formally request the removal of unauthorized credit inquiries from my TransUnion credit report. The following inquiries were not initiated by me and do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to the accuracy and privacy of information in their credit reports. The specific sections of the FCRA that are relevant in this case include : Section 604 ( 15 U.S. Code 1681b ) : Permissible purposes of consumer reports. This section specifies the conditions under which a consumer reporting agency may furnish a consumer report. Unauthorized inquiries do not meet these conditions. 
Section 611 ( 15 U.S. Code 1681i ) : Procedure in case of disputed accuracy. This section requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information.

The presence of these unauthorized inquiries on my credit report is a violation of my rights under the FCRA and is negatively impacting my credit score and financial standing. These inquiries were not initiated or authorized by me, and their presence on my report is causing unnecessary harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding XXXX XXXX who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXXfor misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.
Product: Credit reporting

I have two accounts that have been readied after being deleted TWICE from credit report and I have attached proof. 
1. XXXX XXXX # XXXX, this account was deleted on XXXX XXXX, 2016. This is not my account. 
2. XXXX # XXXX, I have attached XXXX for that debt as well.
Product: Checking or savings account

My Chime bank account was closed completely after i filed disputes with them because someone fraudulent used my card and identity. After reporting the theft to chime and providing my supporting documents on XX/XX/2023 they closed my account two days later XX/XX/2023 stating I didnt comply with the deposit account agreement. I have been using chime to receive my paycheck every two weeks which was well over {$1000.00} every two weeks, i used the account responsibly and never misused it. Once they closed my account i was informed my account wasnt eligible for a refund, they just stole my hard earned money. I had two deposits being ready to be refunded from my trip and was told by a representative theres nothing they can do. My account was fraudulent used for almost {$4000.00} i did the right thing and reported it and Chime is acting like Im the criminal. I sent them my police report and my Identity Theft report it went ignored completely. And after looking at all the complaints from consumers i think this is racially motivated all these people are XXXX Americans.