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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : We had previously placed the item under reinvestigation per your request, on XX/XX/XXXX. The data furnisher responded and verified that the disputed information was accurate as reported. The results summary was sent to you for review on XX/XX/XXXX. 
This information is inaccurate and you have never sent any information to be indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : XXXX XXXX : {$16000.00} XXXX XXXX ACCT : XXXX XXXX : {$16000.00} XXXX XXXX  ACCT : XXXX XXXX : {$1600.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$400.00} XXXX ACCT : XXXX XXXX : {$640.00} XXXX/XXXX  ACCT : XXXX XXXX : {$4600.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX ACCT : XXXX XXXX : {$660.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$1600.00} XXXX/XXXX  ACCT : XXXX XXXX : {$100.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question.

Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are extra incorrect addresses that are reporting to my credit report. These addresses do not belong to me. I have attached documentation showing my only address.
Product: Credit reporting or other personal consumer reports

I been disputing this bankruptcy from my credit report for a very long time and Experian is not doing anything. I got a letter from the court house saying that they didn't provide this information to Experian and I also got my XXXX freeze for years, so I don't know where or how they are getting this information from. Now today I also saw they included a new bankruptcy to my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy chapter XXXX filed XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian systemically refuse to investigate inaccurate information being placed on my credit file in error. When I attempt to dispute inaccurate information on my credit file I get the following statement " You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you canupload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us atXXXXor contact the data furnisher of this information regarding your dispute. '' This is Experian way of  discouraging millions of Americans such as myself from disputing inaccurate information in their credit file. Furthermore Experian representatives have refuse to produce and provide me with any evidence they contacted company and received any documents such as signed contracts etc that account in dispute actually belong to me. Only thing representative states is company was able to verify my name and social security number and or address. This is not valid or proper investigation. Experian lack of investigation continues to effect me personally and damage my credit report month after month. I demand Experian to reopen and conduct proper investigation producing evidence that account actually belong to me and that all information being reported is factual including balances and payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX Balance : {$670.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$3000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX ( Original Creditor : XXXX
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX XXXX ] To : [ XXXX  XXXX ] [ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ] Re : Dispute of Collections Account # XXXX Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. 

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I previously submitted CFPB complaint XXXX to U.S. Bank on XX/XX/year>. I inadvertently did not include my fair resolution. Please see my below fair resolution request. Thank you.
Product: Debt collection

I am writing in response to your letter dated XX/XX/year>, regarding the alleged debt for the amount of {$1600.00} related to XXXX XXXX. 

I do not recognize this debt and request that you provide complete validation of the account. Specifically, I am requesting : Documentation of my liability for this debt, including the original signed contract. 
A full breakdown of all charges, fees, and interest. 
Proof that this debt is valid under California law, where I reside, including any notices or communications sent to me. 
Documentation of any previous attempts to notify me of this debt and evidence that I received them. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally disputing this debt, and I request that you cease all collection activities until the debt is validated. Additionally, please mark this debt as " disputed '' on my credit report while the validation process is ongoing. 

Please respond to this request in writing and provide the requested documentation. I also reserve the right to seek legal counsel if necessary.
Product: Prepaid card

Did not order debit card. Card arrived at my home address. The name on the card is not mine.
Product: Debt collection

I have been getting harassed by a company name Hunter Warfield regarding a debt they claim I " owe '' from an apartment building in Maryland. I 've tried explaining to them over the phone several times that the debt they are claiming I owe I do not own. I have sent them several support documents such as my I/D, current lease from my apartment building, and proof that I have been living in XXXX for the past 5 years. It was mailed out to them on XX/XX/XXXX and they received it on XX/XX/XXXX via XXXX. The latest I spoke to on the phone stated that he " did not care '' if the debt was truly mine he just wanted me to pay " what I owe ''. Everytime I try to talk to management or someone in the investigation department the reps either hang up on me or transfer me to another debt collector.
Product: Money transfer, virtual currency, or money service

Paypal, without my consent, has signed me up for automatic payment. There is no way I can cancel autopay. When I tried contact customer service, I was put on hold for over an hour and never got a chance to speak to a customer service representative. 

I would like Paypal to go into my account, today, and cancel any forms of autopay which they signed me up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX ; ( Original Creditor : XXXX XXXX ) XXXX ;
Product: Credit reporting or other personal consumer reports

The Privacy Act of 1974 ( 5 U.S.C. 552a ) outlines the requirement to provide notice to individuals in cases where personal information is being collected. In my case, the authority for collecting my information is 451 et seq. of the Higher Education Act ( HEA ) of 1965, as amended ( 20 U.S.C. 1087a et seq. ), and the authorities for collecting and using my Social Security Number ( SSN ) are 428B ( f ) and 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1078-2 ( f ) and 1091 ( a ) ( 4 ) ), as well as 31 U.S.C. 7701 ( b ). I understand that participating in the William D. Ford Federal Direct Loan ( Direct Loan ) Program and providing my SSN are voluntary, but the requested information, including my SSN, must be provided to participate. 

The principal purposes for collecting my information, including my SSN, as stated in the Privacy Act notice, are to verify my identity, determine my eligibility for loans or loan benefits under the Direct Loan Program, service my loan ( s ), and, if necessary, locate me and report on my loan ( s ) in the event of delinquency or default. My SSN is also used as an account identifier and to grant me electronic access to my account information. 

Despite having followed the required procedures and submitted my 1099-C ( Cancellation of Debt ) form, I have yet to receive any response or resolution to my concerns. This lack of response and engagement in addressing my issue is causing significant distress and hindrance to my financial well-being. I kindly request that you promptly acknowledge my previous submissions and initiate a resolution process to address the issues at hand. 

I believe that my rights under the Privacy Act and other federal and state constitutions are being infringed upon by the continued reporting of my student loan information to credit bureaus. I am eager to work with your office to resolve these concerns in a mutually beneficial manner. Please treat this matter with the utmost urgency and priority, as it affects my personal financial situation and rights. 

I look forward to receiving your response at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

please investigate the following accounts properly, multiple errors and discrepancies from previous reports. 
multiple occasions when the accounts information were incorrect and had to be updated. 


accounts with multiple incorrect payment history In accordance with the fair credit reporting act XXXX accounts of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXXXXXX, Has violated my rights [ 15 U.S.C. 1681 ] section 602 A Congressional findings and statement regarding respect for the consumer 's right to privacy. [ 15 U.S.C. 1681 ] section 604 A section 2 : Any consumer reporting agency can't furnish a consumer report without the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Equifax violated the law US CODE TITLE 15 U.S. Code 1681i, account had discrepancies and incorrect information for the following accounts : XXXX XXXX : account number ending with XXXX. Account had incorrect following information that were updated with last investigation : scheduled payment, terms duration, activity designator, and account history. Changed the late payment date from XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. 
XXXX XXXX XXXXXXXX Balance Owed : {$380.00}
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 on how to remove the fraudulent accounts 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 accounts 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 accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} 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: Mortgage

XX/XX/2021. United Wholesale Mortgage ( UWM ) is responsible for paying my taxes and home owners insurance from my escrow account. Although they collected the escrow from my mortgage payments submitted, they never paid my insurance. I received a notification from XXXX XXXX  that my insurance was cancelled due to lack of payment. I notified UWM through their customer portal communication channels and attached the letter of cancellation from the insurance company. I contacted XXXX XXXX Directly and made the payment directly from my checking account. I had to work with the insurance underwriters and sign a waiver that stated during the time I wasn't covered and to the time the insurance was reinstated, I incurred no loss. Thankfully a loss didn't occur during that time the policy had lapse, otherwise I would have not been covered. UWM knew the renewal date for my home owners insurance yet never paid the policy. The renewal date was clearly visible on my Escrow account profile on their website.

Since I had to pay for the insurance out of my own pocket, I contact UWM on XX/XX/XXXX to request a refund of the money they collected through escrow for the insurance they never p [ aid. UWM refused to refund me my money, and several days later, after the insurance was already paid and reinstated on my own, they sent a check to the Insurance company for the coverage that was current at a zero balance. This was a deceptive effort by UWM to conceal the fact that they never paid the insurance. They attempted to cover their mistake by sending XXXX  XXXX a check, long after it was already resolved. XXXX XXXX sent me the money that they received from UWM, yet it took almost a month to get my money back.

Still to this date have not gotten a response from UWM regarding the XX/XX/XXXX communication with the attached cancellation letter from XXXX XXXX. UWM is deceptively trying to conceal the error on their side. 

I requested UWM to remove my portion of the insurance handled by escrow and told them I would manage my insurance myself. They refused and keep quoting PMI rules. This is a VA loan and I have no PMI obligations on this loan. Every time I call UWM I get a different answer from a different representation. Since UWM records call for quality assurance as part of their customer support line, I started recording the calls personally. I have several recorded calls with UWM representatives contradicting each other on the same call.

UWM is consistently mismanaging mortgage loans and banking transactions. Just recently they had a major issue with unauthorized withdraws and deposits into customers bank accounts, causing overdraft fees and other charges to customer accounts. Their mortgage financial solution is poor at best. One of my original complaints was their inability to handle my escrow payments and balance, consistently making corrections because of their financial solution is so poorly designed.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is reporting unvalidated negative information on my credit profile to the three major credit bureas ( XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

This compliant is against XXXX XXXX in XXXX Az. 
The address related to this debt is from XXXX XXXX. 
In XXXX, the landlord left the power in my name after the lease was terminated and I had already relocated to XXXX I was not aware of this debt existing until XXXX. 
At that time I filed a dispute, sending in copies of my lease and proof that I that prior lease on XXXX was terminated. XXXX took no action. 
In XXXX, I relocated back to XXXX only to find out that this was still on my credit and this was the beginning of this debt negatively effecting my ability to secure housing AND even my ability to have power. 
They refused to turn on power for me unless I PREPAID my power. Which I did. 
I had power for 3 months before getting evicted and forced to move back to XXXX in XX/XX/XXXX. 
At this time XXXX started falsely reporting by billing date on the original debt from XXXX they are manipulating laws around statute of limitation, to make it in their favor. 

the second issues is that they have sold this debt. Discharged it for a year. as you will see in the evidence. And have resold this debt to a new collector.

I had my credit score improve 30+ point when this debt came off in XXXX. 
Now that it is back on my credit is below 500. I am not able to get approved AGAIN for housing because of this adverse effect on my credit. 

In my recent dispute against the new collector, CCI. They are still not able to provide chain of assignment or proof they can legally collect this debt, as it is required in Fair Debt Collection Practices Act, 15 U.S.C. 1692b ( 6 ) and 1692c ( b ), et seq. They even respond and say they will not sue me. but they will harm my credit as long as they can. 
Even with the fact that they are manipulating the dates of this debt to try and use statue of limitations that has long past.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is not reporting my payment made to them for the months of XXXX -XX/XX/2020. The co-borrower and I agreed to a Forbearance plan by which we would pay {$500.00} per month for the months of XXXX- XX/XX/2020. The amounts paid for said months were the full mortgage amount of {$1700.00} or an amount greater than {$500.00}. Per the credit reporting Act, XXXX XXXX  violates fair and accurate reporting of payment made to their bank. Additionally, XXXX XXXX changed the agree mid XXXX to state XXXX   payments were due under the forbearace plan withour my consent or approval. This is fraudulent on behalf of the bank and should be investigated and fined.