23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Sometime in late XXXX, XXXX XXXX XXXX requested a payoff amount from Flagstar Mortgage and because of this a stop payment will issued on my taxes. Because of this, my taxes were not paid in a timely manner. My taxes were due XX/XX/2019 and were not paid till XX/XX/2019. XXXX XXXX was waiting for the taxes to be paid and did not communicate or were not informed of a stop payment ( According to XXXX ). I did not find out about all this till XX/XX/XXXX and contacted Flagstar to  pay my property taxes. I spoke to XXXX XXXX from escrow to file a verbal complaint and express my displeasure with the services they provided and he stated it is policy and because I authorized XXXX  to request a payoff and that they were informed of the stop payment they did not need to contact me. I informed them that unless they received the funds for the payoff they are still responsible for ensuring that the taxes are paid in a timely manner. He disagreed once again reiterating they have a policy regarding payment of taxes. Because I informed him I filed a complaint to the CFPB, Flagstar reported a negative remark on my credit report even though I was informed and assured by a rep from Flagstar if I  made my payment before Monday, XX/XX/XXXX it would not happen. I made my payment on Thursday, XX/XX/XXXX. I was also informed by XXXX XXXX to with-hold my XXXX payment because of the loan payoff. I have this in writing as well.
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 : DPT EDXXXX 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  has violated my rights. Or 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: Credit reporting or other personal consumer reports

Good Afternoon, This is not a request for " verification " but a request for validation made pursuant to 15 USC 1692 Sec 809 B of the FDCRA. I respectfully request that your office provides me with the competent evidence that I have any legal obligation to pay you.

The accounts you have listed, in which I also disputed online are a result of the multiple data breaches my info was included and therefore lead to identity Theft.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter : Re : Case # : XXXX XXXX  # : XXXX Original Creditor : XXXX  XXXX  XXXX Account # : XXXX Affinity : XXXX Current Balance : {$1200.00} XXXX  # : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Affinity : XXXX Current Balance : {$1000.00}
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 WAKEFIELD & ASSOCIATES I Account number 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, 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 and crimes which antedates the report by 7 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.

Enclosed, please find a certified copy of my UCC-11 search, which indicates that there are no liens or records showing that I owe any debts. Creditors are legally obligated to file accurate information regarding such matters. 

Delete this account.
Product: Credit reporting or other personal consumer reports

I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I received a call about a debt they said that I owed to XXXX in the amount of {$6100.00}. I told them that I did not owe any money to XXXX and that the last time I had dealt with XXXX was inXX/XX/XXXXwhen I closed my credit card account with a balance of XXXX. 

When they tried to push this again, I tolad them that they either had the wrong person or a fraudulent account. It told them to stop harassing me as the debt was not mine. I never heard from them again. 

Last month a different company contacted me about the same debt. The caught my attention because my credit score dropped by XXXX points. Again I told them that the account was not mine and filed a complaint with the CREDIT Bureau. After researching it as little as they did, the credit bureau said that the complaint was real. 

I asked the collection company to show me proof that I opened this account.. They said that they would. In the meantime, I contacted XXXX and they had no record of my having a delinquent account. This time the collection company sent copies of two statements looking like a XXXX statement. The first one had several problems. Number one was that my first name was misspelled. Number two it showed that supposedly I made a payment to them in the amount of {$110.00} on XX/XX/XXXX. I took that information to my bank and asked for a copy of my bank statement from XX/XX/XXXX through XX/XX/XXXX There was no payment made to anyone for that amount, and no payments of any kind to XXXX. During this time I received a copy of my credit report and there was no XXXX account reported open in the credit report after XXXX. I have reported this as fraud to the collection company they are now labeling this as a possible fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.
Product: Debt collection

XXXX   XXXX   XXXX   XXXX  sent me a letter on  XXXX   XXXX ,  XXXX  stating I owed {$280.00} to creditor LVNV Funding LLC. I sent a letter disputing the debt and requiring disclosure of the origin of the debt on  XXXX   XXXX . No one respnded to my letter. I received a similar letter on  XXXX   XXXX   XXXX  with a different account number for the same amount. I sent another dispute letter and have no response. They call me every single day when Im at work. I answered once and the woman on the phone yelled at me, told me she was helping and I had to work with her to make a payment plan. She would not acknowledge my dispute of the debt or my previous letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a 12 plus year ongoing saga with the credit reporting agencies XXXX, XXXX, and Trans Union. They have been complicit in reporting inaccurate, outdated, and incomplete information on my personal credit report. This inaction or outright complacency has aided fraud to be displayed and reinforced on my character. I have suffered great pain and harm by their hand, so I am seeking relief and the opportunity to finally live the American Dream. My latest attempt around XX/XX/2017 to fix these huge issues were basically ignored. I have attached the letters that were sent to the above organization with the hope that you can free me from this virtual fraudulent debtors prison. I want to buy a home, I want to start a business, I want to take trips, but I cant because of this oppression. Please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting over 33 closed accounts. These accounts are being reported yearly and never leaving my accounts. All 33 accounts are being sold by XXXX XXXX  to Transunion. These accounts have deducted over 400 points from my fico score which continues monthy to not increase because These closed accounts are being reported to all creditors and banks.
Product: Student loan

I have been trying to get my IBR renewed since XXXX Navient repeatedly denied having the applications ( I was asked to resend them 3 times ) Over 6 phone calls were made to Navient and each time I was given a different direction to resubmit a lost application or go into forebearance which I was forced to do.Today I was told I checked the wrong box on page XXXXof the application and I need to send the page XXXX in again and was put in forebearance until the matter was settled.This is almost 6 months of false information.I was also told that they would not take into consideration for recalculation ( if I ever get it ) that I also have a private loan.They have always taken that into consideration in the past.I need help.It 's like dealing with a maze of untruths please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I mailed dispute letters to Experian, XXXX, and XXXX regarding the correction of several inaccuracies on the following accounts : XXXX  XXXX # XXXX ...., XXXX  XXXX # XXXX ...., XXXX  XXXX # XXXX ...., XXXX XXXX # XXXX ...., XXXX XXXX XXXX XXXX # XXXX. 

Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/XXXX directly to XXXX XXXX XXXX XXXX # XXXX. 
In accordance to 15 U.S. Code 1692g, XXXX XXXX XXXX XXXX # XXXX was to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

Pursuant to FCRA section 609, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a request for copies of the original signed contract/agreement/application was sent to XXXX  XXXX # XXXX ...., XXXX  XXXX # XXXX ...., XXXX  XXXX # XXXX ...., XXXX XXXX # XXXX XXXX.. 

As of today, the credit reporting agencies ( Experian, XXXX, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.
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 : XXXX, 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 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 XXXXXXXX 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 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: Credit reporting or other personal consumer reports

I requested that Discover Credit Card Company update the balance to XXXX on my XXXX credit report after they mailed me an IRS 1099-C tax form for a XXXX debt that had already been written off. I included this 1099-C in my tax filings and have already paid taxes on it by filing my XXXX  IRS tax return. Despite this, Discover has been deceptive and has not updated the balance from {$11000.00} to {$0.00}. I have disputed this XXXX times with no resolution. This is why I am asking the CFPB to intervene, as I am applying for a loan/mortgage, and this incorrect information is hindering my dream of purchasing my first home
Product: Credit reporting

I have a CA State lien that has been released XXXX XXXX, 2013. 
Ref Number XXXX Contact details XXXX County XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and I have enclosed a copy of that complaint along with proof of my identity and address.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} -Late/closed
Product: Credit reporting or other personal consumer reports

I became aware of several fraudulent accounts appearing on my credit reports, which I did not open or authorize. These accounts, including auto loans, credit cards, rental charges, and collections, were established using my identity without my consent. 

I promptly reported the identity theft to the Federal Trade Commission ( FTC ) and have filed identity theft reports with both the FTC and relevant law enforcement agencies. The fraudulent activity includes the following types of accounts : Fraudulent auto loans reported since XX/XX/XXXX Fraudulent rental charges reported since XX/XX/XXXX Fraudulent credit card accounts opened between XXXX and XXXX Incorrect collection accounts reported as unpaid Despite multiple disputes with the credit reporting agencies, including requests for removal and verification, the accounts remain on my report. These inaccuracies have continued to harm my credit and financial standing.

I am seeking an immediate investigation, validation, and removal of these fraudulent accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure my credit report accurately reflects my financial activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a Dispute for those accounts that inaccurate and unknown on my credit report. But over 30 Days no response yet. I was a victim of the XXXX  Data breach. Delete ASAP those accounts or I will file litigation.
Product: Mortgage

My wife and I applied for a mortgage from NEWREZ ( XXXX XXXX XXXXXXXX ) to purchase a CO-OP APT XXXX At the end of XXXX we plan to sell this apartment and requested the bank 's mortgage servicing company, Shellpoint, to provide the collateral documents, including original Stock Certificate and Proprietary Lease in XX/XX/XXXX. 

The bank and the servicing company are supposed to provide either the collateral documents within 60 days, or they should provide a Lost Stock and Lease Affidavit if they have lost the document, however, as of today, aka XX/XX/XXXX the bank and servicing company are still unable to provide either original collateral related documents or Lost Stock and Lease Affidavit, despite the fact that we tried to reach out to them many times. 

Everyone in this closing transaction, including buyer, seller, agents attorneys, and board of the building are waiting for them to provide relevant documents. Every day of delay means a loss to my bank account for not being able to close the transaction.
Product: Credit reporting or other personal consumer reports

This creditor XXXX XXXX has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B credit may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub> 2024 : I verified my bank and card details on Robinhood and deposited {$1500.00} into Robinhood in order to buy ETH. Minutes later, my account was restricted, preventing me from taking custody over my asset/currency by sending my ETH to my external wallet. Robinhood requested that I provide additional information to verify my identity, including a selfie picture with my ID and bank statement. 

XXXX XXXX, 2024 : I provided all necessary information. 

XXXX XXXX, 2024 XXXX Robinhood calls me, but I missed the call. Robinhood tells me that they called and that I need to request a call in the app ( there is no phone number for me to call directly ). I find out, instead, that I need to click on a " Request a call '' prompt in the app/website, but NEITHER of the " Request a call '' prompts work, either leading nowhere ( dead weblinks ) or leading to a webpage that says that the link is invalid. 

As a result, I reach out to 6 different customer service agents via chat to explain the issue, and I get the same canned response of " just click on the Request a call '' button, of which I told them it doesn't work. 

XX/XX/year>2024 : I submit a complaint to help@robinhood.com. They repond, telling me to resubmit a bank statement and to give them a call ( phone number provided w/ case number ). 

XX/XX/year>2024 : There is NO place to submit a bank statement on the app or website, so I reply to help@robinhood.com about this. I called the phone number and was able to get connected to an agent that requested a bank statement. They requested that I submit the bank statement in the app, but because I can't download my bank statements directly on my phone, I told them I needed to download it off my computer and send it to them. They said to give them a call back when I did that. After downloading my bank statement, I tried calling the support number with my case number, but the automatic phone representative stated that my case number was no longer valid.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Incorrect Information XXXX XXXXXXXX XXXX - Incorrect Personal Employers XXXX XXXX XXXX - Incorrect Employers XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX XXXX Incorrect addresses XXXX A XXXX - Incorrect Names
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was stolen and has been being misused. The name of the individual that has misused my social security # is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following accounts need to be removed immediately. It is fraud!!! 

XXXX XXXX XXXX {$570.00} Opened XX/XX/2018
Product: Credit reporting or other personal consumer reports

I filed an FTC report for identity theft because my personal information has been exposed in a data breach of over XXXX XXXX consumers personal information. I would like and appreciate to have all accounts showing on my credit report removed immediately pursuant to 15 USC subsection 1681immediately. Ive sent a request to for immediate removal on my credit report to all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I, XXXX XXXX sent a Identity theft report letter regarding inaccurate and unknown things on my credit report. I feel I am being taken advantage of and being ignored. Section 605 ( B ), it is plainly stated that a consumer reporting agency shall block the reporting of 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 by such agency. It has been well over 4 days, so they should be block and deleted promptly. 

I demand these accounts be blocked and deleted immediately or I will file for ligation due to the stress you caused me. My information is also impacted by the Equifax data breach and my have gotten into the hands of the wrong person.