23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted contract callers, I notified them that this account was identity theft. I also submitted certified letters, affidavit,, driver license, social security card, a copy of my identity theft report, a copy of notice of furnishers, a copy of 605B, asking them to please remove this account from my credit report. I have gotten no response. I have made phone calls and sent follow-up letters. last one sent XX/XX/20
Product: Debt collection

XX/XX/year>, visited XXXX XXXX XXXX remaining balances in full, including two phones. {$340.00} for XXXX and {$420.00} for the second. The account was placed on hold to port the phone number over to a new carrier, which was done on XX/XX/year>, XXXX days later. We have had over XXXX agencies, now XXXX try to collect {$160.00}, which XXXX states we owe. I have provided proof of the Payments, and Port of the paid in full phone to a new carrier to all collection agencies who have tried to collect, all of which, but XXXX, was denied and sent back to the creditor. Our proof was enough. 

Now I see a tradeline for another collection agency on my report. I did not receive a notification to dispute, and dispute that it's even still being tried to be collected. 

Please note, XXXX provided us the PIN needed to allow us to transfer the phone to the new carrier. That in its self-shows it was paid in full without a balance due. I have yet to see why they think we owe this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will like to request a security freeze and address update on my file. The correct mailing address is XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} 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 XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX 4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Mortgage

Loan was transfered to Roundpoint Mortgage and like always I like to set up the automatic withdraw for the payments on a bi-weekly basis. What I understand is that every XXXX weeks the payment is taken out of my bank account automatically and applied to the loan, so the principal and interest is decreased on a bi-weekly basis and twice a year an extra payment is taken out too to be applied to the principal of the loan. In the case of Roundpoint Mortgage company, they did not apply the payment immediately to the balance and interest, they kept is in a special account called SUSPENSE account which did not effect the loan because it was not applied and my principal and interest like it was suppose to do or mean to do. That was not the deal to start this option.
Product: Vehicle loan or lease

After the insurance paid off what they thought the car was worth there was a remaining balance of {$1100.00} and the gap coverage never picked up the charge due to the insurance company putting in the claim to the gap coverage for the remaining balance and we had no recollection of the insurance company doing so there were letters sent out but we never physically received a letter stating that the insurance company had filed a claim On the gap coverage for the remaining balance so therefore there was a 210 day window for the claim process to be completed The insurance company failed to provide all documents necessary for completion so 210 days went bye and we had no idea that the Insurance company put in the claim the The gap inch coverage went into default and they said that we can no longer use the coverage for the remaining amount even though we were paying for it during the loss. They ruined my credit and it needs to be removed somehow because I was covered by insurance and was paying a high amount for the gap coverage
Product: Mortgage

Bought my home at XXXX XXXXXXXX XXXX  XXXX XXXX NV XXXX in XXXX Financed by XXXX XXXX XXXX of New York. 
In XXXX I had a rep from Wachovia   come over to offer a refinance, I did not except the offer the tried to give me an adjustable loan. I said only a fixed loan with my insurance would do. He said he would be back with the changes, I never saw the Wachovia rep again. 
About 30 days later I received a check for {$50000.00} dollars, I contacted a real estate attorney and said I didn't accept the offer he said to contact Wells Fargo, They had no information, about 30 days later I received my title to my home, a 1st and 2nd title from XXXX XXXX XXXX they said they had no information on who the title was to be sent to so they sent it to me thanking me for paying off the loan and having a on time payment history and to put the titles in a safe place. I also filed a warranty deed. 
Wells Fargo called and said they want my home but have know documents or information on my home. 
My attorney said my home was mine that the banks where having a feeding frenzy and gave me a gift. 
At this time Wells Fargo, Wachovia and an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and that's when Wells Fargo took over Wachovia mortgage as well as Wachovia had lost most titles, In XXXX a lady cam to my door and said she bought my home in a auction. 
I told the lady I have all my titles to my home. I went to the recorder 's office to pull the paper work and the documents Wells Fargo filed to steal my home were blank documents stamped by a notary by the name XXXX you. Wells Fargo also produced a manuscript explaining to their reps on how to steal homes. I have all my documents and every paper on my home. I want {$750000.00} dollars for the crime they committed all the money I paid all the marble work in all 3 bathrooms and all the pain and suffering they caused my family, and at {$750000.00} dollars they still made XXXX  on my home. Thank you for your concern
Product: Credit reporting or other personal consumer reports

1 ) I have never resided at the alleged Apartment 2 ) I called and spoke to several collection agents that hung up on me 3 ) I requested a letter of verification and it has been more than 30 days with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday XXXX XX/XX/2021, I received an email from Prosper Marketplace Inc. aka Prosper Funding LLC, stating that I was pre-qualified for a loan of up to {$9000.00} and that checking my rates on said loan wouldn't impact credit score which means that they would only conduct a soft inquiry. However, they made a hard inquiry which did in fact negatively impact my XXXX credit score! 

YOUR PRE-APPROVED APPLICATION You're preapproved for {$9000.00} Finalize your loan of $ XXXX and your money could be deposited to your account as soon as the next business day after completion of all necessary requirements1 Lock in Your Rate Checking your rate will not affect your credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX was paid off in full in XX/XX/XXXX. 

By XX/XX/XXXX I noticed the account still showed as active in my credit report and with a balance of ~ {$630.00}. 

I emailed XXXX with my concern. They said it may take 7 days from the final payment for the account to be reported closed to credit bureaus but it had already been 3 months since the final payment and this account still showed up as active in credit reports. 

Yesterday, XX/XX/XXXX I noticed the account is still open and showing a balance owed of {$630.00} so I contacted XXXX again. They are saying the account was reported closed, but it continues to show on my credit reports. It has been 11 months since the final payment, and I find it completely unacceptable that the account still shows up as open and with a balance on my credit report. 

XXXX needs to do more to be proactive and resolve an issue like this, but in our communications has been dismissive, so I am filing this complaint. Email correspondence attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised this is not a refusal to pay, but that the claim is validated. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you XXXX Retail # XXXX. NOT who they have paid for debt as a third party. I am requesting proof that I am indeed the party they are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices help me with competent evidence that I have any legal obligation to XXXX XXXX. Please validate that this debt belongs to me and please also show me the original contract with XXXX XXXX. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX ), this action might constitute fraud under both federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed Chapter XXXX bankruptcy. 
XX/XX/XXXX I received a Discharge Of Debtor ( s ) XX/XX/XXXX XXXX Credit Card and Citi Cards/Citibank both companies put on my credit : Date of status XX/XX/XXXX, Debt included in Chapter XXXX Bankruptcy on XX/XX/XXXX. Which is correct. 

Beginning of XX/XX/XXXX I applied for a line of credit through my bank. I was denied due to two delinquencies within the last three months, XXXX XXXX & Citi Cards Citibank. 

XXXX XXXX & Citi Cards Citibank Both companies updated my Bankruptcy to XX/XX/XXXX, so now when creditors look at my report it looks like my debt was recent. Please Help
Product: Vehicle loan or lease

I have been billed {$50.00} late payments every month from Wells Fargo, from 2020 until my current statement. I have called several times about the {$50.00} late fee. I was late one time that was back in 2020 after covid. I have never been late since. I do not get a late fee according to them until after 15 days from the due date. Wells Fargo claims that is how there billing statements are setup. They are lying and Ive been charged every month on my statement {$50.00}. I have proof of the statement.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$0.00},, XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX : {$240.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX Balance : {$450.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXXXXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
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 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 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 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 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

XXXX  showing XXXX, XXXX, exp when i sent hacking and ftc reports
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX  XXXX BALANCED {$2300.00} XXXX XXXX XXXX BALANCED {$2000.00}
Product: Mortgage

Good morning The new American mortgage was keeping changing the amount we need to close and on close day the bank change the closing amount for more money and took our didnt count our deposit and gift money that they said we need it. Now we pay more than we supposed to and they stole gift money and more. They changed everything on the day we are sitting and signing closing documents. They changed 10 times ; XXXX XXXX, XXXX XXXX, XXXX XXXX, and more people that keep taking our file. XXXX and XXXX send and call my agent and I impropriety names also XXXX and discriminatory language was use by the bank. They never answer the phone ; is all fraud. They took our money and no explanation. I go XXXX from this people screaming at me and saying bad things to me and humiliated me. I cry so much because they treated me of taking my home and having my family and I in the streets if I reported them. Please help. Thank you so much XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in XXXX. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 XXXXEQUIFAX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; 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 did not find out that a cash out refi was being initiated on the mortgage in my name for my residence until I received notification from my credit monitoring company that a second hard inquiry in 9 months had been initiated. The mortgage is in my name only but my husband is on the title. 

When I contacted the originator of the hard inquiry I was told that my husband had authorized it. When I spoke with him about it he told me that he did not give consent to run my credit. I requested the documentation in my file of authorization to run hard inquiries on my credit report but they have not produced anything and they have simply stated that they have never had this happen before.