23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On my credit report Portfolio Recovery Associates is reporting I owe them {$740.00}. An account I guess they got from XXXX XXXX. I sent a letter asking them to verify I owe this. I was requesting a signed contract bearing my signature. I received a statement from 2012. Nothing verifying to me I owe this..
Product: Debt collection

I was getting increased and harassing collection attempt calls from American Express about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted American Express ( AMEX ) by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XXXX, XXXX, and XXXX  that I disputed this account with no response each time from AMEX regarding this account. I did however receive a letter from a collection company named XXXX XXXX XXXX, XXXX. They claimed they are trying to collect a debt from AMEX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing this erroneous account with AMEX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to XXXX XXXX XXXX that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the XXXX XXXX XXXX. Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither XXXX XXXX XXXX or AMEX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by XXXX XXXX XXXX that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with AMEX. I have seen plenty of complaints against both AMEX and XXXX XXXX XXXX for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.
Product: Credit card or prepaid card

In XX/XX/XXXX one of my citi cards was updated to a rewards card then reversed without my consent, see previous complaint. I filed formal complaint with Citibank on that employee. XX/XX/XXXX without warning my credit was decreased significantly and without provocation on both my Citi accounts ( 1 card went from {$13000.00} to {$8800.00} and 1 card went from {$7700.00} to {$4800.00} ) odd credit limit number right?. I contacted Citi executive department for some resolution with no formal explanation and the problem was NOT repaired. I expressed that decreasing someone's credit limit based on credit bureau makes no sense seeing that I was over XXXX at that time. This action would cause havoc within the credit bureaus ( now at XXXX ) and thus showing what damage it caused. Earlier this week XX/XX/XXXX ( just 3 months later ) Citi has decided to decrease the credit limit once again ( XXXX card went from {$8800.00} to {$5400.00} and 1 card went from {$4800.00} to {$2000.00} ) again an odd number. Conveniently as I pay each card down it decreases just above the amount I owe. Which in turn causes the credit bureaus to adjust based on the percentage owed. My oldest credit is 24 plus years old and for the past 10 years I have over 100 % on time payment. I have excellent credit limits with all my creditors except for Citibank now ... seems odd? ( I have paperwork that can be attached ).
Product: Payday loan, title loan, personal loan, or advance loan

The lender is Credit9. I dont know who they are and I never borrowed from them nor applied for credit with them. They call me almost every day, sometimes multiple times a day. In fact, as of XX/XX/2023, they have called me over 30 times this month alone. They dont leave a message, they just keep calling and calling me. It has become a form of harassment.
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. Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$2200.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$4200.00} ; XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXXXXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX
Product: Mortgage

I am writing to dispute the continue mortgage fraud that United wholesale mortgage has been creating against for over one year ; over a period of one year United wholesale has violated our mortgage agreement despite repeated requests, United wholesale mortgage continue to create serious issues against us that are creating economical stress, XXXX  XXXX  and XXXX, and also affecting our credit score and history. 

As you can see here in our previous claim history, this has been a personal perpetuated attack and violations to our rights. We are disputing the amount that UWM claims is owed according to the monthly mortgage statement, and disputing all late fees that we dont owe. As a result of the failure of UWM to honor the XXXX XXXX XXXX approved on XX/XX/XXXX We have spoken with different executive team members and customer service about setting a XXXX XXXX XXXX  On XX/XX/XXXX we received a letter about approval of the XXXX XXXX XXXX and an email confirmation of approval on XX/XX/XXXX ( SEE ATTACHMENT ) which includes : Your total monthly payment of {$1100.00} is due on XX/XX/2023. 
The day of XX/XX/XXXX we received a notification about being default consists of your failure to pay the monthly mortgage payments due beginning XX/XX/2023, until the present. The total amount due to cure the loan may also include sums for unpaid escrow deposits and late charges. The total amount due as of the date of this letter is {$8100.00}. 
We immediately contacted executive team members and customer service the following dates and several times : XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( please see attached ) Every time I had to narrate the whole story and on the last call on XX/XX/XXXX, I was reassured that my account will be updated accordingly. 
As of today XX/XX/2023, my mortgage account has not been updated according to the XXXX XXXX XXXX and shows past due amount since XX/XX/2023, because of the failure and lack of responsiveness of UNITED WHOLESALE MORTAGE
Product: Debt collection

I am a victim of identity theft .This creditor is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a resident score after applying for a place which was XXXX my credit is about XXXX or XXXX one of those and these folks inaccurate information. I attempted several times by phone to resolve it and by email. Didnt get a email response, kept getting transferred to multiple people, and they eventually hung up on me. Up to now no response. Also I have quite a few things on my credit that I wanted addressed like the address in XXXX tn I have never lived at off XXXX XXXX, and the stuff that is still sitting on my background even though it shouldve been removed because I filed bankruptcy 3 years ago and those are part of the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the information on my credit report related to a collection account and bankruptcy. 

The collection account with the account number XXXX, which is listed on my credit report as being originally reported by XXXX for rent XXXX is inaccurate. I have never been a tenant at any property managed by XXXX and I have never incurred any debts related to rental payments. Therefore, I request that this information be removed from my credit report. 

Regarding the bankruptcy information on my credit report, I have recently noticed that my bankruptcy case number XXXX is reported twice with different descriptions : " Bankruptcy U.S. Bankruptcy Court '' and " XXXX Bankruptcy ''. I would like to request that this discrepancy be resolved and the duplicate listing be removed from my credit report. 

I understand the importance of maintaining an accurate credit report, and I appreciate your attention to this matter. Please investigate this issue and provide me with a written response regarding the actions taken to resolve these disputes. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX
Product: Mortgage

When I purchased my home in 2021 I was never provided loan payment options from the title company. After moving into the home I called my mortgage company cross country mortgage, and requested split payments be setup. To do so it required a {$150.00} process fee and an additional months rent up front. During this difficult process of setting up the split payment I missed a couple payments due to the fact it was never clear on when the automatic payments took effect or an easy way to setup. I just received notice XXXX XXXX years later that my automatic payments are being cancelled.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Product: Mortgage

My mortgage lender is WestStar mortgage. I signed up for auto-pay to have my mortgage payment of {$1900.00} be taken out on the first of each month. It is now XXXX, and my payment has yet to be withdrawn from my checking account. Ive tried going to the mortgage lenders website which is non-functional, tried using their contact us link on their web-page which doesnt work, emailing several customer service and complaint lines, calling customer service ( where I received word that their voice mail box is full ), and reaching out via social media without response. My statement says that if a payment is received after XX/XX/16, there will be a late fee, and I dont want any fees added because they are negligent with my auto pay. 

Our original mortgage provider, XXXX, sold the loan to WestStar Mortgage after we refinanced without us knowing until we got a statement in the mail from WestStar, and weve been very unhappy with our provider ever since then. They shouldnt be a company with how poorly they manage things and how dated their online services are.
Product: Debt collection

After trying to buy a house I noticed on my credit a collections account with ENHANCED RECOVERY COMPANY for XXXX in the amount of {$360.00}. I contacted ENHANCED RECOVERY COMPANY and they can not find any information with my name or social in their system and told me to contact XXXX. After speaking with XXXX, they also can not find any information under my name or social. I disputed this with the credit bureaus. XXXX is the only credit reporting agency that wo n't remove this from my credit. Equifax has already done so. I have emailed XXXX proof of communication with the collection company showing that they can not find anything under my name. This company ENHANCED RECOVERY COMPANY, keeps reporting on my credit each month for a collection even they said I do n't owe and XXXX is allowing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BMW ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT DOES NOT BELONG TO ME. I NEVER REQUESTED THIS ACCOUNT TO BE OPENED. SOMEONE STOLE MY INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit inquiry from XXXX that is showing on my account from XXXX. This is not mine and I have already contacted both XXXX and Equifax. 

It also shows XXXX as my employer, which is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC XXXX XXXX XXXX PO Box XXXX XXXX, PA XXXX To whom it may concern, I am writing to update my personal information. There are some mispelled incorrect names that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names. The incorrect information is as followed. 




Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX XXXX am a victim of identity theft. 

XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX  XXXX have egregiously fraudulent accounts on my credit profile that need to be removed, immediately.
Product: Credit card

To whom it may Concern, On XXXX  XXXX I entered in a Consumer Credit Transaction with XXXX in which i gave them access to my open-end credit and received no equal value. 
Application XXXX Per 15 U.S. Code 1691A - IT IS UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANT, WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION.

Denying me access to my securities
is securities fraud which has a statute of limitation of 5years in XXXX  XXXX 
Regardless of their reasoning for the denial I have a right to credit under the Equal Credit Opportunity Act and the Consumer Credit Act which are both being violated. 
Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I never consented to authorize nor benefited from all Inquires, Block and delete them. If I have received goods and services from the furnished Inquires, Let Experian have XXXX of their senior executive certify under the penalty of perjury that I did received good and service from those transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out to Equifax Customer Relations Department on XX/XX/XXXX I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Payments on Time/Never Late XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.