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

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following items 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
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by Including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Mortgage

I am a New York State resident. I refinanced my home mortgage with USAA Federal Savings Bank, signed XXXX/XXXX/XXXX. The monthly payment, included PMI ( {$79.00} per month ). As the appraisal value reported before the signing, was valued at {$290000.00}. As of XXXX/XXXX/XXXX, the outstanding loan mortgage was {$230000.00}, as I have made extra dollar toward the principal reduction each month since XXXX/XXXX/XXXX with no obligation and penalty. 

As I called and tried to reach out USAA-Mortgage Dept since XX/XX/XXXX, requesting my PMI to be cancelled or to be removed, and I did not get any immediate answer, until I received a letter by a regular mail that, is requesting a new appraisal value as of today ( it must be current ), and I must pay the appraisal expense directly to USAA. ( USAA was outsourced to a third party company called, XXXX/phone # : XXXX, for managing the loans and the payments on behalf of USAA. ) Since XX/XX/XXXX to XX/XX/XXXX, my request has gone undetermined, even I have a good payment record, and I met the requirements ; current payment, no late payment, current escrow payment ( no obligation on the extra dollar amount toward principal reduction each month ). I checked the New York Department of Financial Services 's web, and researched more in detail related to the PMI and the cancellation, and other requirements. The New York Department of Financial Services guided that it did not require a current appraisal report in order for PMI cancellation, and it must follow the appraisal reports used on XXXX/XXXX/XXXX. 

I had explained and tried to provide the sources to the managers ( third party Co ), related to the NYS-Dept of Financial Services, and all managers refused to listen and ignored to follow the NYSDFS 's guidelines, and verbally over the phone that regardless the current balance is below the 80 % threshold. I tried to reach out HQ-USAA, and I was unable to speak to someone that could help me at this point. As of today, I am still paying the PMI, as part of my monthly mortgage payment since XX/XX/XXXX. 

Please advise, should I continue to make the PMI payment every month to USAA until the expiration date of XXXX/XXXX/XXXX even the current principal is below the 80 % threshold? If I requested my PMI to be terminated by XXXX/XXXX/XXXX, and I was informed by USAA-a third party Co that, they still need a new and current appraisal report. In addition, the automatic PMI termination date is on XXXX/XXXX/XXXX with no requirement for an appraisal report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I call many times, trying to speak to them about the account always get the operator and they only take payment no way to speak to anyone its setup like a fraud account always ask for your ss # but want let speak to anyone just take a payment tells you there hours of open but never can u speak to anyone just the automated system
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX with these companies Resurgent/LVNV Funding XXXX , and I'm in court now with XXXX XXXX which shouldn't be showing on my credit report because we are in pre-trial, XXXX XXXX  is on my account twice different acct # XXXX and XXXX XXXX services XXXX and XXXX XXXX XXXX XXXX I have disputed these accounts as not mine accounts and still the outcome ( was verified and updated the information dispute has been verified as accurate ) which is not correct. I contacted XXXX asking what documents were use from collection agencies verifying investigation I was told to contact collection agency.
Product: Money transfer, virtual currency, or money service

I got a text that I have just been offered a job and was told I was going to be sent a check to purchase vendor materials for a job, I got a check in the mail the check looked original to me because it came from a bank, I deposited the check into my account and some money appeared and I was told by the job to transfer money through XXXX and XXXX XXXX to different people who were alleged vendors after this happened the bank told me it was an empty check and I have been transferring out my money all these while.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX Balance : {$0.00}. 
XXXX XXXX XXXX : {$0.00}. 
XXXX XXXX XXXX XXXX : {$580.00}. 
XXXX XXXX XXXX : {$34000.00}. 
XXXX XXXX XXXX : {$1400.00}. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX  XXXX Balance : {$2900.00}. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 45 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I 've made numerous attempts to have this information removed from my report. I 've submitted numerous letters for verification and each time they have returned false information.     I received my most recent follow up from   XXXX   and they removed the bankruptcies, I have attached this for your viewing.       XXXX   and Experian have yet to respond.   Please assist and ask that they provide actually proof of validation of the bankruptcies showing. As I have yet to be provided.     Both  XXXX  and Experian stated that  XXXX   XXXX  provide this information I contacted them personally and this was advise to be inaccurate.     Secondly, they advised they contact  the Court o ffice and I spoke with the court house and the clerk explained they do n't release private information.     I advise them of possibly litigation and they have yet to respond both   XXXX   and Experian.     Please assist with removal of items. Thanks
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to discover that my credit report contains inaccurate accounts, and I cant understand how this happened. I routinely check my report, and out of the blue, there are discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the inaccuracies remained. Given this troubling issue, I am requesting a careful review of the documents I've submitted so that I can have peace of mind going forward.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATEXXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this
subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For over six years the lease is still showing late. XXXX XXXX has not corrected the information.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I have tried at least XXXX times to get my Equifax credit report and was unable to get it online or by XXXX mail XXXX I then used an online free credit reports site which got me the XXXX and XXXX XXXX XXXX immediately. They reported my credit as excellent. They could not get the Equifax credit report.. Just as I was unable to get it. I wanted the Equifax report since my XXXX XXXX credit card company mentioned that there was an outstanding car loan issue on their Equifax report. I have not had a car loan in XXXX years. I can not remember ever taking out a car loan. I paid cash for my current car in XXXX. I then again got back to Equifax directly and they again sent me ( by XXXX mail ) a 10 digit code to enter at their site. I did it multiple times and their site would not accept the code. I was instructed to call 'customer support '. They told me the site was down. They again sent me another code by XXXX mail.. That did not work either.. I called them again. They said they could not help me since I did not have a cell phone to receive a text message to verify it was me.. It is a dead end. I can not get a credit report from Equifax. Any help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed dispute with discover thru XXXX - its been finalized & XXXX has removed it from their report. But Discover has sent me this other person 's statements to my home address in XXXX, for XXXX XXXX XXXX XXXX who live in XXXX, WA.
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like XXXX XXXX, XXXX and Experian are reporting things against me they can not substantiate. 
What can I do?
Product: Money transfer, virtual currency, or money service

I have been a customer of Chase Bank for over 25 years. On XX/XX/XXXX I inboxed XXXX XXXX on craigslist regarding a XXXX XXXX  she was selling for {$700.00}. XXXX stated she just order the XXXX from XXXX and it will be delivered on XX/XX/XXXX, due to high demand, the XXXX was first come/first serve, and we had to make payment to secure we received the item which was XX/XX/XXXX. I XXXX XXXX XXXX {$700.00} on XX/XX/XXXX transactions # XXXX on I attempted to contact XXXX on XXXX to follow up with deliver, I got no response, I called from 15 different numbers and still no response. I contacted XXXX on XX/XX/XXXX this the day we were supposed to receive the XXXX, and the number didnt work, at this point, I knew I got Scammed, I immediately called my Bank Chase and reported a claim. After speaking with several Supervisors I was told, they would recovery my claim for {$700.00}. I received a letter from Chase on XX/XX/XXXX Stated we Agreed that the claim was rejected. I never Agreed to Anything, the letter chase provided is not true, I was told Chase could not recover the funds. I Never received a code chase provides to confirm transactions and I never agreed. I was scammed {$700.00} for a XXXX that was never received. I reported the scam on XXXX and the FBI report. XXXX XXXX bank Declined the one time courtesy request from chase. XXXX XXXX  XXXX is XXXX Bank and I need help from CFPB to help recovery my funds. XXXX needs to be shut down and Chase needs to refund my money ASAP
Product: Mortgage

Afternoon of XX/XX/XXXX XXXX at Select Portfolio Servicing required I fax my bank statement to prove mortgage payments for the month of XX/XX/XXXX. 
Paper checks were either lost or delayed from initial mailing XXXX. 
Faxed XXXX XXXX XXXX to Cashiering subject : Missing Payment Research to XXXX XXXX XXXX. 
Dollar amounts of checks are {$1200.00} and {$1000.00} both posted previous day on XX/XX/XXXX but system didn't update until XX/XX/XXXX. 

On XX/XX/XXXX I spoke with XXXX at XXXX and XXXX ( supervisor ) x XXXX to complain about why Cashiering department has also lost bank statement itself! 

I spoke with XXXX and XXXX in loss mitigation for 34 min on XXXX XXXX XXXX and an hour and 16 min on XXXX XXXX XXXX again complaining why Select Portfolio Servicing lost my bank statement after both mortgage payments finally posted XXXX XXXX XXXX. 

I also spoke with XXXXi Supervisor in Loss Mitigation since I as a customer am not allowed to speak to Cashiering department.

I believe Select Portfolio Servicing never lost my bank statement and claiming XX/XX/XXXX mortgage payments not received was a ruse to acquire my bank statement to gain leverage over my confidential financial information. 
Select Portfolio Servicing is attempting to renege on my low interest loans 3.375 % and 3.875 % through foreclosure in XXXX. My payments are not late nor lost. 

To be clear each page of fax spelled out loan numbers ATTN : Missing Payment Research
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX  Account XXXX Date of Charge Off : XX/XX/year> Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

I agreed to a resolution regarding a disputed American Express account ( XXXX ) for the sum of {$4800.00} payable in monthly installments of {$300.00} in the first month and {$190.00} per month thereafter until {$4800.00} was paid. Agreement was reached with XXXX XXXX XXXX XXXX ( XXXX ID XXXX ) who claimed to be working on behalf of American Express. The XXXX XXXX representative, and the written confirmation of that agreement, called for monthly ACH debits to be initiated by XXXX XXXX from the Bank Account I provided for the first payment. This was repeatedly confirmed with the representative. 

The First payment of {$300.00} was indeed processed on XX/XX/2022 and I expected the second installment to be processed on XX/XX/2022. It was not. 

I called to inquire as to why the payment was not debited on Monday XX/XX/2022 but XXXX XXXX 's office was not open. I left a voicemail but received no return call despite leaving a phone and ID number per their instructions. I called again on XX/XX/2022 and was advised that XXXX XXXX no longer has the file and the representative refused to discuss the matter further. 

I expect American Express to honor the agreement made by their representative and initiate the installments on a monthly basis as required and only for the settlement amount. At present, American Express ( either by their own action or their agent 's ) breached the agreement and should not be permitted to benefit by virtue of their breach.
Product: Credit reporting or other personal consumer reports

I have identified these items on my report that are related to identity theft. These items are not related to any transactions completed by me. These hard inquiries listed from : 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

Inaccurate information added without having factual evidence or failing to recieve information.