23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is to XXXX and the collection company trying to To collect on debt that I do n't owe. 
I suffered because of XXXX detected SIM card that I paid the bill and I changed my phone 3 times and I was never able to use the phone but yet they made me pay for the phone bill and they made me pay for the phone in full. Due to the lack of knowledge of the XXXX tech support my phone was diagnosed with having a problem the phone itself, not the SIM card. Also without my knowledge, my contract Was extended from a 1 year to 2-year contract without My knowledge and it was not close to me over the phone or in writing by XXXX representative. 
My phone bill was not sent to me in without my authorization it was switched over to paper list that causes me not to receive my paper bill and I did not know I had a bill due. Due to the SIM car defect, the phone was turning off if I was not plug in. My life was put in danger of not having access to a phone while on the road and I still pay the bill to XXXX without being able to use the phone. I spent over 20 hours with XXXX representative To resolve the issue but unfortunately, they were not able to help me being fully aware that all the mistakes were made by XXXX. 
Each representative told me a different story than the other representative and I got so tired of it that I paid {$370.00} for the phone and I was told by the representative that I owe no more and I am free to go. After I signed up with XXXX again I received a bill in the mail from XXXX claiming that I owe them money so I went ahead and filed a complaint against them with the Better Business Bureau which did n't resolve in anything. XXXX has put my life in danger they have collected from me over {$1000.00} and the fault was also their own and now they want money again. 
The choice is clear please close this account with a XXXX balance and send me a letter in the mail within the next 5 business days. If any page is reported to XXXX XXXX or XXXX by the collection agency or XXXX since this account is not valid I will not hesitate to file a lawsuit in include all the fees the hours of work and the hours I have spent with XXXX on the phone. 
I have all my bills including the one-year contract in the receipts for the phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ending in # XXXX was closed on XX/XX/year> due to me missing payments that were due to the death of my mother. As of the date of this inquiry, despite me disputing it as closed, they continue to report the account as open to further damage my credit despite me attempting to rectify it with them. I have disputed it on my Experian, XXXX and XXXX XXXX reports, XXXX now reports it accurately. This is a blatant attempt to damage my score. I simply want them to report it accurately as closed.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Inaccurate Nme : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) Account # XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX and Account # XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 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.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that i have some hard inquiries that i did not authorize. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am unable to answer the identity validation questions because they do not pertain to any past credit accounts I have ever owned or opened in my name. I was unable to answer the security questions in order to see an on-line credit report for Equifax. Due to non-existent accounts asked about my identity questions. I was able to answer and view my credit reports for XXXX and XXXX with no issues.
Product: Debt collection

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information cra and hippa violation must remove them not 100 % correct
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment on my credit report that is inaccurate. The account in question has been paid in full and closed of XXXX of 2019. Yet the late payment is still reflecting on my credit report through your agency as a result that DEP OF ED/XXXX has stop reporting late payment to the credit bureaus. 

The student loan agency responsible for reporting this information stopped reporting it as ofXXXX 2019, as the account was paid in full. Therefore, there is no reason for the late paymentto still be reflected on my credit report. 


Furthermore, XXXX, XXXX, and Equifax, is showing multiple accounts for the same late payment, which is impacting my ability to move forward with purchasing a home. I am in the process of trying to buy a home, but this erroneous information on my credit report is hindering my progress. 


I kindly request your assistance in resolving this issue and having the late payments removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax, XXXX, and XXXX XXXX regarding their failure to conduct a proper investigation into inaccuracies on my credit report as required under the Fair Credit Reporting Act. Despite my repeated attempts to dispute erroneous information, These Bureaus has continued to report incorrect data and has failed to comply with their obligation. As a result, I recently applied for a Credit Card thru XXXX XXXX 's once again on XX/XX/year>, and was denied as a direct result of the information being reported. Violation of Consumer Rights : FCRA Section 605B, 15 U.S. Code 1692c, 15 U.S. Code 1692g ( b ), 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681i ( a ), 15 U.S. Code 6802 : It is evident that Equifax, XXXX and XXXX XXXX has not fulfilled these obligations. The errors remain uncorrected, and I have received a response that either lacked meaningful investigation or attempts to stall the process. 
Requested Resolution - I respectfully request that the CFBB intervenes to : Ensure Equifax, XXXX XXXX, and XXXX conducts a proper investigation of the disputed information, verify that the inaccuracies are corrected or removed from my credit report. and Provide accountability for the credit bureau 's non-compliance with FCRA regulations. So that approval of credit is guaranteed.
Product: Debt collection

I am filing a complaint against Remex Inc for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus.

I received a collection notice from Remex Inc regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with Remex Inc . I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that Remex Inc had the legal right to collect the debt. 

Despite my request, Remex Inc failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt.

Furthermore, Remex Inc did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations.

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that Remex Inc immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.
Product: Mortgage

1st. - FCI Lender Services Inc. is the sub-servicer for XXXX XXXX XXXX XXXX. The company alleges it is the owner of our mortgage. I have requested from this service a forbearance due to Corvid19 and loss of income. The company has REFUSED to give us this forbearance or even acknowledge that we have made this request. 

2nd. - Over the past two years we have made repeated request of FCI Lender Services, XXXX XXXX XXXX XXXX to have a  presentment of out note. Instead of granting that request, they have moved to accelerate the loan in an effort to foreclose prior to the discovery of counterfeit documents which they have provided to us. This counterfeit mortgage is being used to foreclose on out home. We have proof that these documents are counterfeit and will provide both the registry copy of our mortgage and the counterfeit copy provided to us by FCI Lender Services via a QWR request. 

3rd. Out insistence on seeing the original note has been meet with continued resistance. They have no valid explanation as to how they obtained the counterfeit documentation or why they are refusing our requests. It is my belief that they know the documents are fake and are attempting to foreclose before it is discovered. Please note that corrections were made to the fake mortgage but unknown which is completely different from the mortgage in the Registry of Deeds in XXXX Massachusetts. With this knowlege FCI and XXXX XXXX  XXXX can not merely state they were unaware of this glaring irregularity. In fact, thus act constitutes Uttering on the criminal statue as they are : 1. Attempting to Collect a debt 2. Across State Lines 3. Knowingly using false documentations The case of In Re XXXX ( XXXX  ) Massachusetts case applies here as the chain of title can not be repaired. I will enclose a copy of both documents for you to look at. We have not paid this servicer because we have strong doubt that they actually have our mortgage given the documents they have provided. They are unwilling to communicate with us regarding this matter. In fact all communications have been referred to their legal representative identified as : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX Massachusetts XXXX ( XXXX ) XXXX. 

This firm is handling the acceleration of the mortgage but the mortgage they have is counterfeit. In a phone conversation with them I informed them of this fact as was told " So ... you do have a mortgage don't you? '' This cavalier approach to this serious matter belays the fact that the documents are fatally flawed, complete with bogus signatures and changed notaries. A simple visual inspection of the document shows even the street name is misspelled. Please examine these documents ... We are getting ripped off and we have been unable to get anyone to listen to us so far.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I got a XXXX credit card because it gives free XXXX XXXX fixes. On same day of account opening, in credit card they charged around XXXX dollars for putting on new XXXX etc., I didn't take any of their services except fixing XXXX XXXX on the same day ( again it is free of cost since I applied for XXXX credit card on the same day ). 

The XXXX dispute center rejected saying I only got services like getting new XXXX etc., It is blatant lie.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts listed on my credit report! I have no idea how this happened. I regularly check my report, but now there are discrepancies that just appeared out of nowhere. I even tried refreshing my browser to see if it was a glitch, but nothing changed. Those inaccurate accounts are still there! Im urgently requesting that the documents I submitted be checked thoroughly so I can stop worrying about this situation.
Product: Debt collection

XXXX was unfair and deceptive in its credit card practices towards me. Sending me bills on marketing products I didnt buy and was deceptive in their collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/2015 {$540.00}, XXXX XXXX XXXX XXXX {$18000.00}, XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX  XXXX XXXX accounts Listed in this statement are accounts I just recently reviewed on my credit report. I have contacted the creditors for each account and I have filed an ftc report and nothing have been removed. I have never used or applied for any of these accounts. I am askking if these items please be removed from my credit report.
Product: Debt collection

They kept calling me everyday! I told them that I have no co trip to pay the payment to pay back the phone company spirit and will try figure out to pay back when I do my tax return and they kept on pushing me pushing me i repeated told them what I plan and they did not listen to me so i told them the same answer and hung up the. they kept call me everyday! so i blocked them and it still go thru and call me everyday!!! harassing me i 'm tired of getting their calls!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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.
Product: Checking or savings account

On XX/XX/year> I received a phone call from ( XXXX ) XXXX the guy said he was from Wellsfargo then my phone froze up I had to reboot my phone when he came back up I had messages from Wellsgpfargo stating I had initiated a wire transfer for {$10000.00} and and another for {$4500.00}. I called the bank immediately to try and stop the transaction I thought I had submitted a fraud claim and a stop payment t since the money had not left my account yet. I called Wellsfargo on XX/XX/year> to let them know that someone saying they were from Wellsfargo was texting me and calling me saying they was them. I was told to not respond and to send the text message to their fraud department.. On XX/XX/year> XXXX I called Wellsfargo to check on my claim status and found out a claim was not submitted correctly and had to resubmit a new claim. I called backed on XX/XX/year> and I was told my claim was denied because they could not retrieve my money. The reason they can't retrieve the money because they waited weeks to try to retrieve my funds because they did not submit the claim on XX/XX/year> promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't a verification but a validation containing the information listed in the letter
Product: Money transfer, virtual currency, or money service

XX/XX/24 paid a deposit of {$450.00} through Zelle to my friend for a furniture deposit. 

Found out her XXXX account was hacked and the money did not go to her. Requested a refund and received a fake refund text. 

Filed a claim with my credit union and Zelle. Zelle has locked me out of my account and said I cant use their app anymore even though they said I may get the money back. 

Zelle claim # XXXX I have copies of of all communications to support my claim.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act.

Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$0.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, Equifax has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of Equifax to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.