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

The following account is showing on my credit bureau. I have no knowledge of this account. I have been a victim of name fraud- there have been multiple accounts and claims made in my name. This company has not provided me with any information, or a copy of the application to have this added to the police report. I did not open an account with this company in XXXX as it is reporting on the bureaus. I have now been denied a student loan due to this fictitious information. I had disputed the information with the bureaus and was told it meets fcra requirements even though no documentation has been provided. I have attached the police report referenced above. 
Account name RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4900.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance - Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX XXXX I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Product: Debt collection

Security Credit Services contacted me about an old debt. The debt amount was for {$2300.00} and I agreed to set up payments of {$100.00} a month. I asked for statements in the mail for verification and also I wanted the paper trail. I never received a statement in the mail and when I looked up my credit report it showed the debt amount as {$7900.00}. I have tried to contact them by phone to no avail. I have stopped my payments on this debt as I think I am being scammed. My credit report now shows that I am missing payments to the debt to which I want removed so I can figure out what is going on here without it reflecting negatively on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts listed below from my credit report, as I am a victim of a data breach and identity theft. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have information resulting from identity theft blocked from my credit file. 
The fraudulent accounts are as follows : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$880.00} XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$5800.00} Enclosed, please find the following documents to support my request : A copy of my government-issued ID. 
A copy of a recent utility bill or other proof of address. 
A copy of the police report I filed regarding the identity theft. 
Any additional evidence related to these fraudulent accounts.
Product: Mortgage

In XX/XX/2021 I ran out of money saved up because I had tried to get the insurance company to fix a roof leak for a year and a half finally a roofing company got them to pay but they refused to pay for internal repairs all my money went into repairs the insurance company is owned by my mortgage company so seeing that my XXXX dollar a month XXXX XXXX XXXXXXXX check was not enough to pay a XXXX house payment plus live on I tried to get refinance even tried to get a reverse mortgage told mortgage company that I was in the process of doing so they sent me for closure because I got behind so I started to sell my house to an as is Buyer they put me in the position by lying to me that they were going to buy my house to get further behind Ive asked for forbearance several times they refuse they say they are not required to give me forbearance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Has Violated My Rights 15 USC 1681 Section 602A States I Have The Right To Privacy 15 USC 1681 Section 604A Section 2 It Also State A Consumer Reporting Agency Can not Turnish A Account Without My Written Instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting a re-investigation of the following item : Account Information : Creditor Name : XXXX Description of Inaccuracy : Wrong Balance : The account in question is reflecting different balances on each Bureau, none of which match the actual balance on my account. 
XXXX : amount {$350.00} XXXX : amount {$0.00} Trans Union : {$350.00} closed XX/XX/XXXX Incorrect Dates : The accounts dates of last activity, payment dates and account opening date is being reported inconsistently or inaccurately. 
XXXX : date shown as XX/XX/XXXX XXXX : date shown XX/XX/XXXX Trans Union : date shown XX/XX/XXXX closed XX/XX/XXXX I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C.

1681 ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable re-investigation to determine the accuracy of the disputed information. 

I kindly request that you contact the furnished of the information to verify the accuracy of the disputed item. During this re-investigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the re-investigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary.

If, after your re investigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report. 

Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations.
Product: Mortgage

This is a follow-up to complaint number XXXX. There is no additional option available to update the case from my end, which is why I am have to create a follow-up case. 

Problem description : Mr Cooper illegally added an escrow account to Loan # XXXX. As a result, the monthly payments changed from {$3300.00} to {$4800.00}. 

Update : Persuant to the letter from Mr XXXX XXXX dated XX/XX/XXXX, there has been a few updates to the case : 1. It looks like the escrow account has been updated. It no longer shows that I need to pay an amount of {$7900.00} - however, it still shows an amount of {$400.00}. That is still incorrect - it needs to be XXXX. ( see attachment Account snapshot XX/XX/XXXX.pdf ). 

2. The XXXX payment of {$3300.00} has not yet been applied. I have been making timely payments and not being applied to the mortgage balance will cause late payments and fees and adverse credit reporting, which are not acceptable. 

3. I have still not received an explanation as to WHY the escrow account was added. Specifically, I would like to know which section of CA Civil Code 2954 ( a ) caused this - a statement saying that the escrow account has/ will be removed is not sufficient. I am not aware of any of the conditions being triggered and if none of the conditions were triggered, then it is very clearly a violation of CA laws. ( see attachment Loan_Document_Escrow_Conditions.pdf ) 4. From my messenger conversation with Mr Cooper agent XXXX ( see document Messenger Conversation.pdf ), it appears that Mr Cooper has paid one installment of property taxes on XX/XX/XXXX. There are several problems with this claim : a. I can not see anywhere on my account where this transaction shows up. 
b. The county website shows that the first installment of property taxes were paid on XX/XX/XXXX ( see attached Property Tax History.pdf ). 
c. Given that I first raised this issue on XX/XX/XXXX and had informed that the property taxes had indeed been paid ( and reflected on county records ), why was this not checked? 
d. This was clearly done without my consent and without any justification. I do not know who the taxes have been remitted to, if at all - Mr Cooper should work directly with that authority/county to recover the money. I will NOT reimburse Mr Cooper any of the amount. Instead, I will pay the second installment directly to the county as per the loan terms. 

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

I am writing to CREDIT COLLECTION SERVIC agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CREDIT COLLECTION SERVIC agency to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a problem with equifax since  XXXX  of  2017 .   XXXX   XXXX   has submitted multiple requests to have some hard inquiries removed off of my report. I have previously submitted letters to cfpb that show where the comenity bank submitted the request. They submitted the request again on  XXXX   XXXX ,  2017  and spoke with equifax business at  XXXX  option  XXXX . They were given case number  XXXX  as proof that the inquiry 's were removed but they 're still on my personal credit report. Equifax is a horrible company who gives consumers the run around. I was told to send a copy of the letter from  XXXX    XXXX   and they would remove the inquiry in which they have not done.
Product: Debt collection

I ordered monthly phone service from XXXX XXXX XXXX per month. They couldn't port in my old number and after XXXX days of trying I returned their equipment. Now XXXX XXXX XXXX claims I owe them {$XXXX}. They sent me to Radius Global Solutions for collection and they reported the " debt " to the XXXX credit bureaus. I want this account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identify theft report Experian report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  turn into XXXX and all payment history disappear on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is with XXXX XXXX XXXX, and the account number is XXXX. I did not open this account, and the charges made on it are not mine. I suspect that the account was opened fraudulently by someone else who obtained my personal information without my knowledge or consent. I have taken steps to address this issue with all XXXX credit bureaus. XXXX removed this account after XXXX XXXX XXXX couldn't verify the debt, but XXXX and Equifax still has this account reporting on my credit report. I contacted both XXXX XXXX ( Original Creditor ) and XXXX XXXX XXXX about 2 months ago to dispute the debt and report it as fraud. Since then I have not got a response and have made a few follow up calls but haven't got any help. I am requesting that the account be removed from my credit report as it is not mine and was opened without my consent. I have included copies of the police report and any other relevant documentation to support my claim. Please investigate this matter and take appropriate action to remove the account from my credit report. I appreciate your attention to this matter and your prompt response.
Product: Student loan

I am XXXX XXXX I did not sign the master promisary note. I never needed a loan the fees charged were payed by the Gi bill I have Also any additional would have been covered by the XXXX worth of Pell grant funds that was received. I was over changed and now my credit report is also suffering for the fraud that was committed on the behalf of the XXXX XXXX XXXXXXXX. The contracts or promisary notes were forgeded my signature is not there along with some of the names and addresses are not mine as well. This issue has been known since 2018 and nothing was done I want this issue resolved immediately as it effects the stability of my household.
Product: Credit card

INFORMATION IN THIS ACCOUNT IS INNACURATE. 
WRONG COLLECTION PRACTICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

I have had a Venmo account since XXXX. I tried to make a payment from Venmo with my connected XXXX bank account in XX/XX/XXXX and received a message that there were insufficient funds in my account ( balance of XXXX account was > {$60000.00} for a {$40.00} Venmo payment ). I was unable to make any payments. After a payment was sent to me on XX/XX/XXXX for {$170.00}, I was able to make a few payments using this balance. After XX/XX/XXXX, I received the below message from Venmo freezing my account and preventing me from making any payments : " Account on hold Could not complete this transaction because your account is frozen. Please see the following help article for instructions on how to unfreeze your account : https : XXXX ''. 

I have read the article ( unhelpful and irrelevant ). I have tried to transfer the Venmo balance of {$35.00} to my linked bank account without results. I have tried contacting Venmo through their application several times and receive canned, unresponsive replies that have not resolved the issue. 

I would like to obtain my final balance and close this account forever. Digital wallets and payment platforms like Venmo should be subject to the same regulation and scrutiny as traditional financial institutions. Without this oversight, they are able to freely defraud customers and keep unearned funds. Paypal is using their subsidiary, Venmo to avoid being regulated. 
Thanks
Product: Credit reporting or other personal consumer reports

16 CFR 313.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
`15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, the consumer, never gave XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, or any other consumer reporting agency written permission or consent to obtain my information or to furnish my information. I have sent an opt out notice and XXXX XXXX XXXX, XXXX. is continuing to report this negative, closed account within my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in disputes to credit bureau on my complaints of all the incorrect and false information and I never received the results to my disputes. They all received my disputes and I have the certified mail tracking number as well as the dates and time the letters were received. 


Experian tracking : XXXX XXXX XXXX XXXX XXXX. received XX/XX/20 at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with  XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$2600.00} XXXX XXXX XXXX {$450.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$11000.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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

My name XXXX XXXX. Someone is impersonating me and stole my identity. I am requesting that any other variation of my name be deleted because its wrong, thats not me. 
My address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove every other address because no mail can be delivered to me through the Post Office, to these addresses and are therefore not reportable according to the Fair Credit Reporting Act ( FCRA ). 

I did not grant anyone written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be deleted immediately My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX  : Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX  XXXX : Account number : XXXX XXXX XXXX | XX/XX/XXXX You have reported information that has damaged my reputation, caused me personal harm, and denial of credit products. Please remove these items now. 

I look forward to your response. Thanks
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX, XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX  XXXX Acct # XXXX, XXXX Acct # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I am making this complaint due to the false claims and deceptive statements made by XXXX the Executive Office of Customer Advocacy of Discover. 

I am also making this complaint due to inaccurate credit reporting.