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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Product: Mortgage

Hi, Hope all is well with you and your family. 

We filled out a Request for Mortgage Assistance ( RMA ) with Select Portfolio Servicing ( SPS ) back in XX/XX/year> as our mortgage rate is 8.95 % and experiencing financial hardship. We submitted all required documents to complete the application. Underwriting keeps on rejecting countless documents asking for clarification and additional information, all of which we complied with. Submitted new documents that they required hoping it will get approved. Nevertheless, underwriting continuously reject the new documents. Each time, they will find an error on the documents. They dragged this process out for months. Each repeatedly asking for information that they already had. SPS ask that we submit new documentation as it out of date and needs to be within 90 days. Twenty calls with their customer service team never resolved the situation. We only missed ONE payment. On XX/XX/year>, demand notice was received that if we don't pay the due amount by XX/XX/year> they our property will go to foreclosure. 

It is clear that they have a policy to do everything possible to reject any RMA requests. They never intend to grant anybody mortgage assistance, which should be fraud, potentially class action fraud. 

Thank you for reading this.
Product: Credit reporting or other personal consumer reports

Kindly update my account and remove the inaccurate late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I defaulted on this loan. I am trying to obtain a mortgage, but he loan is apparently showing twice on my credit report for lenders - once as a delinquent account and once as a charged-off account. I have tried to dispute with the bureaus, but XXXX XXXX will not correct it.
Product: Debt collection

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. 
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX 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 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: Debt collection

Received calls trying to contact me regarding debt that I have been paying with XXXX XXXX. They called my work and harassed our operators. That 's not against the law. what is against the law is that they found my ex husband, called him on his cell phone and talked to him about my debt. I have been divorced for almost 5 years, and my ex husband had nothing to do with my debt. This is a clear violation of the law. Not only do they have the wrong amount listed for the debt, they are contacting and discussing my debt with third parties. Please send me a letter to validate the debt so that I may dispute it and send all copies of cancelled checks for the original credit collection agency I have been working with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
[ XXXX, XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Cease and Desist Request for Sharing of Personal Information Dear XXXX, Equifax, and XXXX, I am writing to formally request that you cease and desist from sharing my personal information with third parties, as allowed under the Fair Credit Reporting Act ( FCRA ). I hereby exercise my right to opt-out of the sharing of my personal data for marketing and promotional purposes. 

Please take immediate action to ensure that my personal information, including but not limited to my name, address, social security number, and credit history, is not disclosed or shared with any third-party entities without my explicit consent. 

I understand that the FCRA grants you certain rights to share consumer information for specific purposes such as credit evaluation and underwriting. However, I am exercising my right to restrict the sharing of my personal data beyond these permissible purposes. 

I request that you confirm in writing that my personal information will be removed from any mailing lists, telemarketing databases, and other marketing channels, and that you will refrain from sharing or selling my information to any third parties for promotional or marketing purposes. 

I expect your full compliance with this request within 30 days of receiving this letter. Failure to honor this request will be considered a violation of my rights under the FCRA, and appropriate legal action may be pursued. 

I appreciate your attention to this matter and trust that you will promptly adhere to my request. Please provide written confirmation of your compliance at your earliest convenience. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Midland credit management placed false information on my credit report. I explained to them that they had wrong information. They still would not work with me. I found out that they have a class action lawsuit against them for these types of problems they are causing. I do n't know where they are getting the information but it is false.
Product: Credit reporting or other personal consumer reports

This is an unliquidated debt that is in dispute in Ca state court and inaccurate information is illegally being reported to the credit bureaus for the sole purpose to cause me harm. This debt is not insured by XXXX XXXX at this time. XXXX LIED when it said it was insured by XXXX XXXX because it is not!!! To state XXXX insured this loan is deceptive, inaccurate, a lie, and unfair and obviously to harm me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect name and address listed on my credit reports. I have tried to dispute these to have them removed but for whatever reason they continue to report.
Product: Mortgage

On XX/XX/XXXX we advised Freedom Mortgage of our intent to utilize a recast of loan XXXX and paid a {$250.00} processing fee towards that end. On XX/XX/XXXX we forwarded {$200000.00} as a pay-down amount. Freedom provided settlement documents - which contained one or more serious errors. Upon being advised of these errors, Freedom agreed to promptly replace the documents with accurate information. Those documents did not arrive as promised. We made several calls and sent multiple letters to Freedom in the ensuing weeks - receiving no response. Eventually, we began paying the new recast monthly amount ( after being unofficially told via phone of the new recast amount ). ALL payments were made on a timely basis.

Freedom then considered the account to be delinquent, and inundated us with automated calls and written material geared towards delinquent accounts. In the meantime, Freedom sent us conflicting information relevant to the escrow account affiliated with the loan, and refunded monies to us without explanation.

Only after contacting the CEO of Freedom ( XXXX ) via registered mail did we receive any action. Eventually, Freedom acknowledged grossly mishandling the escrow account, and the recast itself ( and acknowledging the account was always current ).

Freedom ignored multiple suggestions that our mortgage interest expense for XXXX would not be accurately reported to us. In fact, not until XX/XX/XXXX did they provide what appears to be an accurate Form 1098 - several weeks after such information can be used for reconciling XXXX taxes. 

Freedom has not responded to our request for a new amortization schedule pertinent to the referenced loan, and has failed to respond to our request for copies of any negative information Freedom may have provided to credit reporting entities.

Freedom has also ( on XX/XX/XXXX ) billed us for a Property Inspection Fee,  which is not provided for in the loan agreement - but which is consistent with practices of some mortgage companies when they consider loans to be delinquent.
Product: Vehicle loan or lease

Good morning to anyone who XXXX be interested, my name is XXXX XXXX XXXX, I come here to tell you that since I have my car on lease with XXXX, I have never missed a payment with my son and it turns out that she had XXXX for a XXXX XXXX, I have a XXXX XXXX and because of this I stopped working and my son due to stress and problems looked bad from a XXXX XXXX  and we were both affected by work, which is reported to XXXX of the situation and we ask that XXXX months in arrears be moved to the contract, which can be done legally, or go to the insurance that they have in the contract, it turns out that they can not do that and that they are very sorry that if we do not get up to date they will seize the car and we are trying to fix the situation, eh, they even damaged our credit so that we can not change our lease to a newer year and all the agents insult us, they treat us like garbage and when we ask to speak with a supervisor they deny us, eh, they even hang up on us calls this is already an abuse to XXXX people who are going through serious health situations...
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$2500.00} ; US DEPT ED XXXX Balance Owed XXXX {$4200.00} ; 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 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

The following debt collection companies thats currently listed on my Trans Union, XXXX and XXXX credit report has been using abusive, unfair and deceptive practices and tactics to collect a debt on accounts thats not my account or debts and is the result of identity : XXXX XXXX XXXX, {$140.00}, XXXX XXXX, {$500.00}, XXXX XXXX {$640.00}, XXXX XXXX XXXX XXXX, {$700.00} and XXXX XXXX XXXX, {$3800.00}. The above debt collection companies is in violation of the Fair Debt Collection Practices Act ( FDCPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint with you about the incorrect reporting through Discover and XXXX XXXX. They are still affecting my credit and I haven't heard from either of them about these account. All they keep telling me is that they are working on " getting me the information '' Its been a month now. XXXX XXXX is the only on that gave me a date XX/XX/XXXX that I would hear back nothing about what that would be.
Product: Credit reporting or other personal consumer reports

Lenders have pulled my credit report multiple times and due to which it has resulted in hard inquiries on my report which I never authorized or never have even applied for any of their products. I have the following hard inquires that have taken place due to me being victim of identity theft with following credit bureaus : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I've never had a problem receiving statements and have always paid my mortgage on time since XX/XX/XXXX when I purchased my house. My mortgage was sold to " My Loan Care. '' I have not been receiving statements despite my numerous calls into the company saying that I'm not receiving statements. And since the payment was behind I couldn't log on to access my account. 

On XX/XX/XXXX the company sent someone out to my house to tape a notice on my door that stating that someone had " inspected '' my house and that they deemed my house was abandoned and vacant. No one inspected my house. I have surveillance cameras that cover every side of my house. My lawn is perfectly kept, my landscaping is professionally done. I reviewed the footage on my cameras and a guy pulled up, never rang my door bell and just taped a notice on my door, got back in his car and drove off. There was another letter stating that they had a " confirmed person of interest '' in my property. I called the mortgage company immediately. They stated that my house was going to go into foreclosure the next day. My mortgage had just turned two months past due. I immediately paid the balance in full and then later learned that information was false. During that call I explained that I'm not receiving statements. I confirmed my email address, my cell phone number and every other piece of contact information. They had all of the correct information. 

On XX/XX/XXXX I called the mortgage company again because I had yet to receive a statement or any communication from them. They assured me that my statements would be emailed to me and again, I confirmed my email. I never received any statements from them. 

On XX/XX/XXXX I went to bed around XXXX XXXX I had let my dog outside before going to bed and there were no notices taped to my door. I got up at XXXX XXXX the next morning to let my dog out and there was a notice taped to my door. I reviewed the footage and the mortgage company had someone tape the statement to my door at XXXX XXXX It was the same statement that someone had " inspected '' my house and that they deemed my house was abandoned and vacant. Again, no one inspected the exterior of my house. 

On XX/XX/XXXX I came home from traveling and the same two statements were taped to my door. When I called the mortgage company they said they are mailing me the statements. I told the lady that yet again, I reviewed the footage and I felt this was harassment. No one is inspecting my property. I have the footage. I really just want someone to mail me my statements. Any time there has been a pass due, I immediately pay the entire balance in full. I WANT to pay my mortgage, I'm simply asking for a statement, a phone call ... something. During this phone call I learned that I'm being charged {$80.00} every time my property is " inspected. '' The company offered no resolution.
Product: Checking or savings account

On XX/XX/XXXX some one went through XXXX and used my debit # to purchase a XXXX XXXX XXXX XXXX. for the amount of {$400.00} on XXXX and it was shipped to XXXX XXXX NJ. I do n't know anyone in NJ and did not make this purchase. I contacted Chase on XX/XX/XXXX and told them i did not buy it. They said they would look into it. They credited my account for the amount but then took it out on XX/XX/XXXX. XXXX acknowledged to me on the phone that it was fraud and the IP address is unknown. I asked for something in writing but they will not send me anything, I also contacted XXXX i have had no help from them as of yet, and they told Chase that my card # was used and the item was delivered and that is what Chase is going by for their decision to pay it. I also went into my bank and talked to them, they told me it was up to XXXX and XXXX to get my money back. I do n't seam to be getting any help from any of them and i keep getting the run around. I am also having problems in getting anything in writing.
Product: Credit reporting or other personal consumer reports

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies within the last 30 days. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 


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 XXXXXXXX Revolving with account # XXXX, XXXX XXXX XXXX XXXX Installment with account # XXXX XXXX XXXX bankruptcy discharged 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 can not furnish an account without my written instruction 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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. I DID NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY FOLLOWING. THIS FTC REPORT WAS NOT DONE IN ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX increases my balances and interest on a closed account and tagged it adjustments, on XX/XX/XXXX and i lost XXXX scores XXXX XXXX and XXXX scores on XX/XX/XXXX on XXXX .find attached the evidence attached. These adjustments were the payments I made from XX/XX/XXXX. Which XXXX XXXX XXXX reported to credit burea that I never paid then I filled a claim with my bank where they payment was deducted from my bank account but XXXX XXXX XXXX refused to respond to the bank dispute and sent me a mail to ask my banks to write with letter their letter heading that the payment was reversed in error because XXXX XXXX XXXX got a letter from Consumer finance protection bureas they want to push the blame to my bank. Since my bank refused to write the letter XXXX XXXX XXXX wanted to cover their discrepancies they increased my balance on a closed account I no longer use the card .how did the balance increase .this is a clear indication that XXXX received all my payments and still added negative remark on my transunion and XXXX only because XXXX had disputed the account and know their deliberate discrepancies. 
Transunion and XXXX responded they are investigating the case since XXXX year XXXX till date because XXXX XXXXXXXX refused to respond to my dispute but credit burea kept reducing my credit scores on this XXXX XXXX XXXX reported lies.