23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After a contentious divorce Mr. XXXX and former tenants devised and executed a mortgage fraud scheme involving residential property located at XXXX XXXX XXXX XXXX. XXXX, Oklahoma and a forced foreclosure short sale. The scheme involved aggravated identity theft, false representations to mortgage lenders on behalf of the defrauded out-of-state owner ( ex-wife ), while guarantying tenants and rental payments to new buyers. 

Neither the official divorce decree nor final court order awarding the division of real property to the ex-wife were disclosed to the financial institutions which approved and funded the illegally refinanced ( VA backed ) mortgage loans and lines of credit.In XX/XX/XXXX, fraudulent lis pends ( foreclosure action ) copies were physically served to the ex-wife revealing her forged signature on numerous conflicting financial and legal court documents spanning from XX/XX/XXXX - XX/XX/XXXX. 

A temporary restraining order was issued against Mr. XXXX in XXXX, XXXX after he threatened his ex-wife with witnessed statements to burn down the house and collect the insurance on the disputed property. There has been no relief from the negative credit reporting, and no formal investigation or follow up response regarding the egregious interstate identity theft and unresolved VA backed mortgage fraud. 

Disputed Property Address : XXXX XXXX XXXX XXXX. 
XXXX, OK XXXX Original VA Loan Guarantor : XXXX XXXX XXXX SS # XXXX Ph : ( XXXX ) XXXX - XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have been dealing with the same account, which has continually changed account numbers. This situation feels fraudulent, and I suspect I will receive another letter with a new account number soon. The account is listed as closed and has a negative status, but the account and balance do not belong to me. 

These are letters, not screenshots, and I appreciate you taking the time to look at this. It is very upsetting, and I can not believe how poorly it has been handled. 

I have attached two letters I received in XXXX regarding the account ending in XXXX, which you show reflected on my credit file. This account has changed about 16 times due to fraudulent activity, and the issue persists. XXXX is handling this poorly, as is REquifaxthey are the only credit bureau not addressing this properly. 

It is unfair for victims to deal with this issue constantly. I have also attached letters of removal from XXXX regarding the account ending in XXXX. Again, this account and balance do not belong to me. Thank you. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : I have been dealing with the same account, which has continually changed account numbers. This situation feels fraudulent, and I suspect I will receive another letter with a new account number soon. The account is listed as closed and has a negative status, but the account and balance do not belong to me. 

These are letters, not screenshots, and I appreciate you taking the time to look at this. It is very upsetting, and I can not believe how poorly it has been handled. 

I have attached two letters I received in XXXX regarding the account ending in XXXX, which you show reflected on my credit file. This account has changed about 16 times due to fraudulent activity, and the issue persists. XXXX is handling this poorly, as is REquifaxthey are the only credit bureau not addressing this properly. 

It is unfair for victims to constantly deal with this issue. I have also attached letters of removal from XXXX regarding the account ending in XXXX. Again, this account and balance do not belong to me. Thank you. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Dear XXXX XXXX, Please be advised in the screenshots you've sent, you indicated the fraudulent XXXX accounts end in XXXX and XXXX. Please be advised those accounts are not reporting on your Equifax credit file. 



Thank you for contacting Equifax, Respectfully, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN YEARS AGO BY MY MOMS EX HUSBAND. HE STOLE HER PERSONAL DOCUMENTS ALONG WITH MINE AND SISTERS FROM HER FILE CABINET AND WOULD OPEN ACCOUNTS UNDER OUR NAMES ONCE HE LEFT HER. WEVE BEEN TRYING TO TRACK HIM DOWN FOR YEARS BUT HAVENT BEEN ABLE TO FIND HIM. IM WILLING TO PRESS CHARGES ON HIM IF HE IS FOUND. PLEASE BLOCK AND REMOVE THIS INFORMATION FROM MY CREDIT REPORT IN 4 DAYS.






FRAUDULENT ACCOUNTS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Mortgage escrowed our insurance and property taxes breaching contract which stated it was not to be escrowed. Did not notify us and it took me over 9 months to clear up but when it wasnt I decided to have them leave the escrow and now refused to help
Product: Debt collection

Wakefield and associates just popped up in my credit. I have no knowledge of this debt. Never received documentation about this debt to properly dispute alleged debt. I dispute this debt. Please send over any ALL ORIGINAL WET SIGNATURE DOCUMENTATION for this alleged hospital debt. 

PLEASE ALSO SEND YOUR CONTRACT FOR ORIGINAL CREDITOR STATING THAT I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to place a formal complaint against Transunion for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : Public Record - XXXX XXXX Bankruptcy - XXXX # XXXX. 
Transunion said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Transunion is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX - XXXX XXXX Bankruptcy - XXXX # XXXX. 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Product: Credit card

Chase credit cards set up their due dates to occur on Saturdays, and Sundays frequently during the year. If I set up and automatic bill pay with my XXXX account with two-day delivery on a Thursday to arrive on Friday, and the due date is either on a Saturday or a Sunday Chase will not recognize the payment arrived on Friday ( evening ) and charges late fees and interest. This is a ridiculous business model and cheats the consumer by allowing them to charge late payment fees, exorbitant interest fees, etc. If the due date is on a Saturday or a Sunday on the billing statement Chase and all banks should have the required staffing to receive the payments. Otherwise, they should record all payments received Monday morning as arriving by the weekend due date. This is a blatant banking practice and the CFPB has done nothing to stop this practice which is unfair and harmful to consumers. The best description of my issue includes billing statements, late fees, other fees and interest charges.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Debt collection

I contacted this company on  XXXX   XXXX ,   XXXX   asking for validation of this debt. They have not responded, I did not enter into a written contract with this company and do not owe them anything.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Product: Mortgage

My loan servicer sent insurance payments from my escrow account to XXXX different insurers. Prior to my insurance policy expiring, I called the servicer to inform them of a new carrier. The old carrier and the new carrier submitted an invoice to the servicer. The servicer paid both bills and refuses to contact the original insurer to get my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy in my credit report that are not mine Experian has certified that they are mine, and courts dont answer to disputes, there third party also has been reporting to them fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit was ran when I was at a car Dealership. I never went through with doing business with the Lenders on my Credit Report. They have access to my information without my Consent. 

INQUIRES XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX LATE PAYMENTS XXXX XXXX Late Payments 30 day XXXX 60 day - XX/XX/22
Product: Credit reporting

I have tried numerous time disputing inquiries on my report from XXXX 2015 to the present with bureau. I did not apply for a job or was granted credit with these people and want them removed. I have even tried sending letters to creditors with no response from the bureau or the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have requested for all three of the CRAs and Dept of Education to remove all 18 student loans off my consumer report due to the Privacy Act of 1974 ( 5 U.S.C 552a ) : The Privacy Act of 1974, 5 U.S.C. 552a, is a federal law that regulates the collection, maintenance, use, and dissemination of information about individuals by federal agencies12. The law provides US citizens or permanent resident aliens with a right of access to information concerning themselves that is kept in systems of records by any agency in the Executive Branch of the federal government2. The law also establishes a code of fair information practices to protect the privacy of individuals. 

You do not have the legal authority to report any of these student loans on my account, per the disclosure provided by the Department of Education/Nelnet under Section F : Gramm-Leach Biley Act Notice and Privacy Act Notice, that was supplied from the direct subsidized loan and direct unsubsidized loan MPN. No section indicates that these loans ( 18 total ) should be reported in my consumer report ; I have attached proof and require that you delete my consumer report immediately.

As a consumer, I have the right to privacy according to the Privacy Act of 1974 ( 5 U.S.C. 552a ), which requires that the following notice be provided to you ; The authority for collecting the requested information from and about you are 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 your Social Security Number ( SSN ) are 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1091 ( a ) ( 4 ) ) and 31 U.S.C. n01 ( b ). Participating in the William D. Ford Federal Direct Loan ( Direct Loan ) Program
and giving us your SSN are voluntary, but you must provide the requested information, including your SSN, to participate.

The principal purpose for collecting the information on this form, including your SSN, is to verify your identity to determine your eligibility to receive a loan or a benefit on a loan { such as a deferment, forbearance, discharge, or forgiveness ] under the Direct Loan Program, to permit the servicing of your loan { s }, and, if it becomes necessary, to locate you and to collect and report on your loan ( s ) if your loan ( s ] become delinquent or in default. We also use your SSN as an account identifier to permit you to access your account information electronically.

I am requesting that you send me the legal documents and disclosures required by the XXXX XXXX  database that show that you have legal rights to report all items on my credit report that I did authorize you to register.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agency-Equifax has been notified several times that credit limit for XXXX is incorrect. Should be {$3500.00} as reported by credit card company however, recent disputed results still lists {$3000.00} as the credit limit?
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

they did not do this Also, they have violated my rights even more In accordance with the Fair Credit reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, and date last reported is not accurate. Payment history is also showing inaccurate reporting on all 3 credit Bureaus. This grounds for Removal They Also Violated the law because according to 15 U.S.C 1681 Section 602 A. States I Have the Right To privacy! 5 U.S.C 1681 Section 604 A Section : States a Consumer reporting Agency Can not a account without my written instructions I did not grant anybody written instructions
Product: Mortgage

I took out a mortgage on my home in XXXX of 2006 for {$15000.00} at 13.48 % interest. The agreement says I will pay back a total of {$28000.00} to pay it back in full. I added up what I have paid back and it comes to {$50000.00}. Since I have over-paid by {$22000.00} do I have to keep paying them? The loan has been sold twice and Nationstar mortgage says I still owe almost {$16000.00}. I have fulfilled the original agreement and over. I do n't think this is right.
Product: Credit reporting

Dear Consumer Protection : The reason for me filing this complaint is due to Experian organization continually reporting the incorrect date of birth in my report and also blocking me out from getting a copy of my credit report online. I have try several times over two-years to get a copy of my credit report and each time Experian has block me out every time. This is violation of the Consumer Credit ACT 1974, section 77-79. I am very frustrated and this practice is unacceptable. 
Furthermore, I am in the process of re-financing my home with XXXX XXXX XXXX bank and the representative stated to me if Experian does not take the block off my credit report they are not going to be able to finance my mortgage because by law under the HARP they must have a copy of my credit report and score to be able to grant the refinancing. I was told by a Experian representative because of a key stroke error is why my date of birth is in their system wrong. I also like to state, after contacting Experian in regard to the issue they refuse to fix the mistake. .I would greatly appreciate your assistance in this matter.
Product: Debt collection

Allied Interstate calls repeatedly. Using different numbers thoughout the day. They contacted employers after being told to leave them alone multiple times. This has been ongoing since XXXX, daily including weekends.
Product: Credit card

Capital One sent me a letter to apply for a credit card that I dont want.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I submitted a letter to Navient to ask them to explain why XX/XX/XXXX payment reporting is showing 90 days late in which the account suppose to be in forbearance status. When I contacted them back in XX/XX/XXXX to ask them that due to financial hard time I would like to put my account in forbearance status until my personal situation change. They approved my request and I was told that they will " back date the forbearance so it doesn't appear late to the credit reporting agencies ''. I have requested recording and documentation showing proof that they stated they will back date the forbearance. I haven't received any documentation transcript or documentation of my request. Also Navient is reporting a 90 day late on XX/XX/XXXX, but the XX/XX/XXXX and XX/XX/XXXX is reporting current. How is that? Navient is not cooperating with my request I would like to receive the transcripts of the conversation XXXX that took place in XX/XX/XXXX about backdating my forbearance so it doesn't appear late. Navient haven't provided me with verification of the conversation. I was promise that they will approve the request. 










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Product: Debt collection

XXXX XXXX isn't the proper creditors as of XX/XX/2023, XXXX XXXX has sold the debt of {$1400.00} to radius global solutions LLC. XXXX XXXX XXXX XXXX NJ XXXX RADIUS REFERENCE # XXXX Account number : XXXX Debt validation letter
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person