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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I filed a dispute for fraud on XX/XX/XXXX for 2 transactions with XXXX, after some time TCF denied my claim, and then denied my appeal. after I filed a CFPB claim they agreed to help me " recover the funds '' from XXXX. 10 days later I received an e-mail from XXXX that the funds from these transactions had been withdrawn and TCF now had the funds in their possession. However to date I STILL have not had these funds credited to my account, why is TCF holding onto these funds that are rightfully mine?
Product: Mortgage

I contacted the Loan Servicer XX/XX/2019 and said I was having difficulty paying my Mortgage and need to apply for assistance. I was due XXXX, XXXX & XXXX at the time and I sent in my application. I was declined and I thought from the decline letter they didn't calculate my income. So I sent in the income again and additional income ( social Security XXXXncome for My Children ). I got another decline letter so I sent an email to the escalation department. I was declined again for NPV. My Origination Loan was a Texas Section 50 ( a ) ( 6 ) and I looked up FNMA Guidelines and It says I qualify for a Fannie Mae Flex Modification for Texas 50 ( a ) 6 ) Mortgage Loans. The decline letter states 186 remaining and they could of extended the Term 360 or 480 but did not. In All 3 decline letters they did not even send a Repayment plan offer. Today I called them and they said they can only do a repayment plan if I pay 6 full payments, that would be  XXXX thru XXXX and leave the XXXX Payment due. I do not consider that a repayment plan, that is reinstating the loan. I want to keep my home and I do not think they are following guidelines to offer me a modification plan to stay in my home.
Product: Credit card

i was XXXX  in 2016 and XXXX XXXX XXXX XXXX in Wisconsin XXXX  have proof i was just XXXX XXXX XXXX XXXX XXXX from the department of XXXX which means this was in no way me on this Fortiva account after looking on my credit report i see that someone has had the card and has been using it for years along with fraud bank accounts please help me remove this fraud from my report this was not me on this account i attached 2 photos one of my charges and one of my XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I attempted an online loan modification on my car loan with Truist Bank in the reduced amount of {$110.00} with the intention to have my previously set up payment suspension program continue until XXXX and for the loan modifications first payment to be due on XXXX. 

I completed the modification online and I made the first payment on XXXX as I believed the first payment date was to be around XXXX for the amount of {$110.00} and that the payment suspension program would continue until XXXX. 

Instead, I later found that the online system calculated an incorrect payment amount of {$1100.00}, effective on XXXX which was the incorrect effective date, and due on XXXX just two days after the request was made. I also did not receive notifications via email about a payment reminder or anything related to a late payment after this modification was completed. 

I put in the request online and now I believe the automated system did not accurately receive the request but I was not aware until I received a 30 day late credit update on my credit, as I received no emails or phone calls that my payment was past due or updates regarding the new total and due date. 

With the attached agreement showing these errors, I am requesting that Truist update my credit line for all 3 bureaus be updated to paid as agreed with the temporary payment suspension payment program extending to XXXX and with the correct monthly total of {$110.00} instead of 30 days late and a total of {$1100.00}. 

Also, I did not receive any disclosures and notifications on the correct payment amount and due date and the termination date of the temporary payment suspension program, nor did I get any warnings about the next payment being late as other lenders would typically do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and there are accounts that DO NOT belong to me. Please investigate these accounts and remove them from my credit report. Please send an updated copy of my credit report.
Product: Debt collection

Unauthorized Sale of Debt and Violation of the Fair Debt Collection Practices Act ( FDCPA ) ** I am writing to bring attention to the unlawful actions taken by Citibank and its subsequent sale of my account to a third-party debt collector, XXXX XXXX XXXX XXXXXXXX, without my knowledge or consent. The following outlines the series of events and potential violations under the **Fair Debt Collection Practices Act ( FDCPA ) ** : 1. **Unauthorized Sale of Debt : ** Citibank , without providing me prior notice or seeking my permission, transferred my account to XXXX XXXX XXXX XXXX XXXX This act occurred without any written communication or proper disclosure as required by the FDCPA, which mandates that a debtor must be notified of any transfer of their debt to a third party. 

XXXX. **Subsequent Sale to a Law Firm : ** XXXX XXXX XXXX XXXX, in turn, sold my file to a law firm that does not have the legal standing to pursue this matter. Since the original contract for the debt was with Citibank, the law firm has no direct relationship with me or the debt. Under the FDCPA, a debt collector is prohibited from misrepresenting their legal rights or the rights of any other party involved. 

3. **Violation of FDCPA Provisions : ** - **Section 1692c** ( Communication in Connection with Debt Collection ) : The law requires that I be notified of any assignment or transfer of the debt. Citibank failed to communicate such a transfer to me, thus depriving me of my right to dispute or question the debt collectors authority.

- **Section 1692e** ( False or Misleading Representations ) : XXXX XXXX XXXX XXXX and the law firm may have misrepresented their ability to take legal action, as they do not have a legitimate contract with me. These parties can not legally pursue collection of a debt they did not originate, which constitutes a misrepresentation under the FDCPA.

- **Section 1692f** ( Unfair Practices ) : The actions of selling my account multiple times without my knowledge or consent may also be deemed unfair and abusive under the FDCPA. These practices compromise my rights as a consumer and expose me to unlawful collection tactics.

4. **Unlawful Legal Actions : ** The law firm pursuing the debt may be engaging in unauthorized legal actions, as they do not have any legal claim to the debt. This action could be seen as an attempt to manipulate or coerce me into paying a debt that has been unlawfully transferred multiple times.

In conclusion, the unauthorized sale of my account by Citibank, the subsequent transfer to XXXX XXXX, XXXX, and the sale of my file to an unqualified law firm represents multiple violations of the **Fair Debt Collection Practices Act ( FDCPA ) **. These actions have compromised my rights and caused undue distress. I request immediate cessation of any further collection attempts and an investigation into these unlawful practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 4th time I've complained about the CFPB & Experian. I continue to get ignored, told I'm not the one submitting my complaint or informed there is no record of me being listed with the company. I have no clue what heck you're doing but I'm literally suffering and it's creating a ton of emotional & physical distress. I was the victim of identity theft and Experian has FAILED to comply with Fair Credit Reporting Act ( FCRA ) by not following the regulations. Under FCRA Section 605b an account should be blocked/removed when provided the correct documentation which shows identity theft occurred. I've submitted all required documents & they've failed to comply. Additionally, EXPERIAN has failed to provide with any verifiable proof such as a signed agreement or contract which would demonstrate I was the one opening the alleged accounts. I need the following accounts removed from my credit report ASAP. Here is the information about the accounts - XXXX XXXX XXXX & XXXX XXXX  XXXX
Product: Debt collection

A vehicle was reported for collections on my credit for XXXX fromXX/XX/XXXXXX/XX/XXXXafter multiple disputes they closed it at XXXX balance. 2 weeks later this company Jefferson capital puts on my credit the same information I will not allow me to dispute. They have not mailed or notified me regarding this collection before reporting I also did not agree for this information to be provided to this company
Product: Mortgage

My mortgage was bought by Wells Fargo in XXXX to XXXX they raise my interest rate up to 30 % without my consent I got billed for payments with a higher percentage rate and cost. I refinanced my loan with XXXX XXXX XXXX XXXX 3.8 % to get out of the Wells Fargo loan. Im filing my complaint to get my money back plus any interest they made off of my money and any penalties and fines that I qualify for. I was only paying 5 % interest rate on my loan that I got from guaranteed rate mortgage lenders before they sold my loan to Wells Fargo without my consent. I did not agree to ever pay 30 % interest rate on my mortgage. Wells Fargo claimed I was on a scale to pay 30 % going down to 1 % over the course of the loan for 30 years, they were ensuring that I front loaded their profits out of my pocket by charging me absorbent amount of interest rates. I was struggling to make the payments and thought I was going to lose the house because a lot of stress and XXXX  and sleeplessness. My mortgage went from {$1200.00} per month to {$1300.00} per month
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been sold without my consent and many inaccuracies with the payment history, status, balance, monthly up-dates. I have disputed the validity of the same accounts with no success. The accounts are in violation of 15 USC 1681. Removal of these accounts are required from Experian, XXXX and XXXX - XXXX XXXX XXXX sold to : XXXX XXXX XXXX Acct : XXXX - XXXX XXXX. 
Acct : XXXX OR Acct : XXXX - XXXX XXXX Acct : XXXX - XXXX XXXX Acct : XXXX - XXXX  XXXX . 
Acct : XXXX - XXXX XXXX. 
Acct : XXXX - XXXX XXXX. 
Acct : XXXX - XXXX  XXXX Acct : XXXX - XXXX Acct : XXXX - XXXX Acct : XXXX - XXXX XXXX XXXX ( no info. ) Acct : XXXX - XXXX XXXX XXXX Acct : XXXX -XXXX XXXX Acct : XXXX
Product: Debt collection

In XXXX XXXX, a solar company ( not in business anymore ) sponsored by XXXX Bank scam me into buying a solar panel for {$7900.00} when it was supposed to cost me close to {$4000.00}. Since I was not working at the time I never thought that XXXX will ever approve me with what they were promoting as a Home Project XXXX Card much less for {$3900.00}. To my surprise, I was approved not for the {$3900.00} that the project cost but for {$7900.00}. I called the solar company and I was inform to make the first payment, wait 30 days and that after that they will straight everything out. When I call them again after 30 days, they were out of business. XXXX was not help at all. They said I must pay the full loan or they will report me to the credit companies. They did. 
In XXXX XXXX I got a collector 's letter from XXXX XXXX XXXX XXXX, XXXX. They said I own {$10000.00}. I respond them to prove me that I own that money. They never respond me. 
In XXXX XXXX I got another collector 's letter for the same amount, this time from Resurgent Capital Service XXXX. I did ask them to prove me I own that money. They never responded. 
Since these collectors never responded, I did assume everything was Okay. 
Well, I am working now and want to start my own XXXX business and to my big surprise and disappointment, when checking my credit score it was in the low XXXX. The XXXX report from XXXX XXXX shows the XXXX loan shown as charged-off ( bad record ) but also shows a collection for {$10000.00} from a LVNV Funding LLC XXXX, collector company I never heard of, where it state that the originator is XXXX. To make matters worst, the loan has a date opened of XXXX XXXX, 2 years and 4 month after the XXXX loan was approved. 
I understand that it probably was my fault that I fell for the scam to begin with, but whatever I did wrong, I did it in good faith and with no intention to hurt anyone. These companies, XXXX and its accomplices, the collector blackmailers all they want is for me to pay for a wrongful loan generated by a corrupt bank or my credit history will be ruin, which already is. 
Now that I want to something good for myself and others, I found my hands are tight by a bunch of crooked XXXX scammers where my only option is to pay my ransom ( {$10000.00} ) or else. 
All this information is documented and should you see that you can help me, fact that I will very much in appreciation, please let me know so I can have some hope for my future. 
Very truly yours, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 send second letter. For dispute And received accurate and dont made investigation you has been verify account XXXX XXXX XXXX XXXX investigate account response has been verify I need fixed account because send all proof this account is no verify dont send me proof your investigation damage too much my reputation and need your fixed incorrect information of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

When retrieving my credit report of XX/XX/2019 on XXXX I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/19. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion explaining how I was one of the victims of their inquiry issue last year. The agent immediately denied my claim after I explained these accounts were none of my doing and she declared them as " fact ''. After being denied to speak to a supervisor on the issue, I asked again to look into my files and to have these negatives items removed from my credit report and was declined to state that she wouldn't do so. All these inquiries appeared on my report XX/XX/2018. 

The inquiries are : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been fighting with Phoenix Financial Services on and off for almost 5 years. They are trying to collect a debt that I dispute as services were not rendered. They previously promised they would cease collection attempts, but have started again recently. They have ignored my dispute letters and started reporting it to my credit report.
Product: Credit reporting or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Since graduating from school in XX/XX/2010 the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed. 
Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEM I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT THE ITEM LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSION IDENTITY AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED AND WILL SUE FOR REPORTING INCORRECT INFORMATION TO MY CREDIT FILE!!!
Product: Mortgage

We bought our home through fha financing through wells fargo. In 2007 our home was forclosed on after we were told during closing our payments were {$570.00}. First payment XXXX. We asked for help, got denied, lost our home
Product: Debt collection

Ad Astra Recovery Services is attempting to collect a debt that is being reported on my credit report. The collection account was created on XX/XX/XXXX in the amount of {$460.00} and was last reported to XXXX on XX/XX/XXXX. I called Ad Astra Recovery Services in regards to this collection account on XX/XX/XXXX and was informed that this collection account was no longer being serviced by their company. I requested that if this collection account was not being serviced by them, that they would have to remove it from my credit report. The representative on the phone told me that they were not able to process that request for me, but in the past I have successfully had items on my report that were not being serviced by the correct collection agency. I ask that Ad Astra Recovery Services remove this collection account from my credit report immediately due to inaccurate credit reporting practices.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax concerning their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 

On XX/XX/2023, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report. These inaccuracies have adversely affected my financial standing and credibility. In addition, I disputed incorrect personal information listed on my credit report. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, Equifax has failed to acknowledge or act upon my dispute within the legally mandated time frame. 

I did not receive a response back from Equifax with the investigation results. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, Equifax 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE ACCOUNT STATUS FOR LOANS TO " PAID '' WITH HISTORY