23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On the prior complaint Freedom Mortgage claimed to payoff my pass due amount of {$21000.00} funds with XXXX funds received. I believed the XX/XX/22 response when my account balance was lower on my credit report, but 2 months later- I'm led to believe it never happened. I never received the canceled VA standalone in amount of {$21000.00}, nor evidence they corrected my account as they stated. Instead, it appears they sent this balance to a collection agency called XXXX XXXX XXXX and the {$21000.00} that XXXX sent to payoff my past due balance and previously showed as " unapplied funds '' on my XXXX mortgage statement, apparently is now missing funds. Please investigate this mortgage company for fraud. They continue to be involved in illegal activities to hurt Veteran homeowners like myself. They have sent my personal information to a company who should not have my information. I will be contacting an attorney next if this is not corrected. This is aggravating my XXXX.
Product: Debt collection

I have receiving a pre-recorded message of a women voice debt collection agency on from Cti Finiancial with a account that is not mine. I believe I still have an account with which I was making payments, but due to hardship in 2013, I did n't have the money to continue payments. Now, I 'm on a fixed income. They keep calling but do n't say for who it is for. Please can your agency help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and verified that there is an account being reported incorrectly. I was never late and I am not aware where that late payment come from. This definitely is a billing error and should be corrected. Under US Code 1666B. Below is the account appearing to have late payment : XXXX XXXX XXXX
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 {$8800.00}, {$8800.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. The Equifax Credit Bureau is reporting inaccurate information on listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX, XXXX CARD XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the companys customer service representative XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has significantly impacted my life. I am writing to dispute fraudulent accounts and information that appear on my credit. Please investigate this matter and delete the disputed items as soon as possible. I have attached an FTC report, my passport, social security card, and bank statement. Fraud Account XXXX XXXX XXXX Fraud account 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 or other personal consumer reports

XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, XXXX XXXX  account XXXX, XXXX XXXX  account XXXX, XXXX XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX Has violated my rights 15 U.C. 1681 section 602 as stated I have the right to privacy 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without Written instructions 15 U.S.C 1681c ( A ) ( 5 ) Section stated nor consumer reporting agency may make any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting to the consumer to any consumer reporting agency of the know or has reasonable cause to believe that the inform nation is accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted credit management stating that I never had XXXX XXXX the time they stated I was living with a relative so it was impossible.. the amounts are {$450.00} and {$280.00} in XX/XX/2019.. I moved into my own place the end of XX/XX/2019and been having XXXX XXXX ever since
Product: Credit reporting or other personal consumer reports

I have reviewed my report for the 3rd time. I submitted a letter to Equifax on XX/XX/2024. Now I'm reaching out again regarding errors and misleading information on my credit report. It's been over 30 days since my initial inquiry, as required by the Fair Credit Reporting Act ( FCRA ), and I've yet to receive a response. This is my third attempt to address this matter. The lack of action is causing significant distress, which goes against the FCRA 's requirement for timely investigation of disputes, as outlined in Section 611 ( a ). Since this timeframe has passed without any investigation or response, I am requesting the immediate removal of the disputed items from my credit report, in accordance with the FCRA.
Product: Checking or savings account

I have a couple apps that help with budgeting and overdraft alerting and capital one will not give them access when I use the secure log in and put in the security code.
Product: Debt collection

XXXXEQUIUM ASSET SOLUTION has flagged your account as Collections on XX/XX/2022 with XXXX XXXX XXXX for an account with XXXX XXXX. I have never had or had applied for an account with XXXX XXXX, therefore this is an account that was established through fraud and identity theft. I am currently disputing this through XXXX and have contacted the XXXX XXXX Police and filed a police report for identity theft ( Report # XXXX, filed by Officer XXXX on XX/XX/2022 ).
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$16000.00}.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : LVNV Funding LLC Address : CARE OF RESURGENT CAPITAL SERV XXXX, SC XXXX Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX, XXXX Tx, XXXX Dear LVNV Funding LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I attended the XXXX XXXX XXXX XXXX from XXXX ; since then my school has been discredited and closed for fraudulent activities and sued federally. It is my understanding that Sallie Mae was also undergoing a lawsuit and changed their name to Navient to carry on the loans avoiding the lawsuit. The Maine Attorney General cancelled my student loans because of this, but I just received a letter yesterday stating I have {$10000.00} in collections from Navient. My federal loans were wiped out by the Biden Administration for these same reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX via website that there are addresses on my file that dont belong to me along with a collection thats been on my file since XXXX. This delinquent account has been sold over and over again and each month and year its sold and bought the collection reappears on my credit file. I been in XXXX since XXXX and was released XX/XX/XXXX. There are inquiries on my report during the years I was incarcerated and up to year XXXX before the month of XXXX. Transunion also have these inquiries doing this time period on my credit file. I need help.
Product: Debt collection

I have pulled a copy of my recent credit report and found a company by the name of XXXX XXXX XXXX is reporting a debt in the amount of {$260.00}. I never received any notices from this company regarding this alleged debt, nor do i have any contracts with this company, however they are reporting on my credit. XXXX XXXX XXXX has damaged my reputation to the point where i can not get approved for credit. This Debt is being reported with out fairness and impartiality and is harming my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband and I own a XXXX XXXX XXXX property which is encumbered Ditech and, despite dozens of contacts with Ditech, we have been unable to get them to release the property. Ditech 's failure to respond may harm our ability to honor a contract on our home, which is currently marketed for sale. After 15 phone conversations, emails with 7 different departments and faxes to three different fax numbers, Ditech has failed to respond to our request. Our home and our neighbors ' home were misidentified on the property assessor requiring modifications of the deeds of trust and legal descriptions of our XXXX properties. The other mortgage holder, the two owners and the title company have prepared and signed each and every required document yet Ditech continues to encumber our property. We are unable to honor a contract on our home until Ditech responds to one of the dozens of phone messages, e-mails or faxes we have sent over the past two months.
Product: Credit reporting or other personal consumer reports

I initially opened this account with payment and high balance online I was told I would have a XXXX credit line in which was not true. 
I always paid on time not leaving balance I noticed once I removed the extra feature of product protection and inquired about introduction fee The level of customer service became aggressive and unprofessional. 
After inquiring about introduction fee of over XXXX dollars before card was ever used and the fact that it represented high balance on credit report I was placed into a situation where my account was in fact closed. 
My mother went into a XXXX XXXX  I needed to rent vehicle while renting a vehicle using XXXX XXXX through XXXX XXXX  I received an alert stating my credit card had been closed out due to identity theft. In which I had no clue of what what going. 
I was told to return vehicle causing me trouble and financial damage because this creditor excercised unlawful action against me and my credit profile. 

I had to go through financial rejection and damages to the date. 

Card was allegedly reissued to my knowledge I never received another card and did not have any knowledge of charges made because I couldnt place rental charges for vehicle on credit card and balances was indeed paid in full before card went into use and was closed.

I show a high balance of XXXX dollars in which I did not create because credit card was not available to me for purchase purposes although looking in my records it shows it was closed it says afterwards high balance and charges from original Credit line was suspended with balance paid XXXX thru XX/XX/XXXX THIS A DELIBERATE ATTEMPT at destroying profile after requesting inappropriate fee return. 
My card was not used by me after date for rental car service in which they refused invoice. 
This is redundant and illegal because it reflects negative on report since XXXX until XX/XX/XXXX currently unfair charges on record. 
Back in XXXX spoke with comptroller and corporate representatives but was highly disregarded in my time of grief in which I felt compelled to resign from contact until I could recover from damage done!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX has violated my right. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

3. I arrived in XXXX XXXX XX/XX/22 after 20 hours of travel and took a cab operated by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX the apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX that I rented through XXXX XXXX & XXXX, a distance of XXXX ( XXXX miles ). 

4. The driver asked XXXX XXXX XXXX ( approximately $ XXXX XXXX to take the toll road and said that he required my Capital One credit card to pay for the charge for the taxi. After attempting the transaction, the representative for the vendor, XXXX XXXX said the transaction did not go through. However, I later discovered that he fraudulently charged charge of {$5000.00} US dollars. 

5. The request for the payment for the toll road by credit card was a ruse to get my credit card and obviously he lied about the transaction failing to go through, charging my Capital One credit card {$5000.00} US dollars for a XXXX ( XXXX mile ) taxi ride. 

6. I did not receive a receipt for the failed transaction or for the supposed fee for the toll road that I paid for in cash. None was offered. 

7. I did not sign anything to confirm the fraudulent credit card transaction or acknowledge that the transaction was valid in any other way.

8. I requested that Capital One reverse the fraudulent credit card charge of {$5000.00} US dollars for a XXXX ( XXXX mile ) taxi ride as it is obviously a fraudulent transaction. Capital One has refused to reverse the disputed charge, saying that I need a receipt for the taxi ride in order for them to dispute the charge with the taxi company. 

9. I attempted to contact the merchant to resolve this directly, but there is no listing or phone number or any other contact information for XXXX that I can find on the Internet. 

10. This is in reference to Capital One Case Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax is reporting a bankruptcy on my credit report, they put in the data the furnisher as being the XXXX XXXX Bankruptcy court of California which is false. 
I have attached a letter from the XXXX XXXX XXXX XXXX XXXX  verifying and stating they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify and validate any information concerning bankruptcies. 
The credit bureaus are falsely stating this information on my credit report, and have yet to remove this bankruptcy from my credit report.
Product: Vehicle loan or lease

Bridgecrest finance will not release the title to my car. I paid off the entire balance via XXXX payments after continued communication with them regarding my charge off balance, the payments were made in full from XXXX. They continue to say I have a balance even though I have completely paid the balance to them, {$16000.00}, according to the official statement from my bank, the processed payments do in fact equal the balance. They sent a transaction log that has errors, it states an extra reversal that XXXX my principal balance almost {$6000.00} than what it ACTUALLY was- stating at even after repaying the reverse payment my balance at XXXX point XXXX to {$22000.00}, thats absolutely incorrect, if it isnt incorrect then I was given false information about the total charge off amount continuously by multiple support representatives. Every representative Ive talked to does the math but incorrectly. They are not paying attention to the errors in principal on their own logs. Ive sent a bank statement that satisfies their requirements and have yet to hear from them. The balance they have is incorrect, according to my bank, the payments processed do in fact complete my charge off balance and I should be able to start the title release process. This has been extremely challenging as they are threatening with repossession after an error on THEIR accounting system. Even accounting for the processing time of 10 days the payments are completed. They must release the car.!
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquires that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My wallet was stole in the XXXX of 2018 with my identification card, Social Security card and debit card. I recently took interest in my credit because I am looking to buy a house so I ran my report and noticed I have a few things in collections that I have no knowledge of, and was not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I chose to use Experian ID Protection because they are rated the best. They are very secure online, however if you call directly, removing a freeze or lock is extremely easy. All you need is a social and date of birth. I have now put a security question to protect the block, but somehow the person trying to gain access to my account was still able to remove the Lock. 

I like the service, they are the best. But I need a safe word or some other feature in order to protect my credit. I was told there was no way I could have that added to my account for my protection because that is not a part of their procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I initiated a dispute through the CFPB directed towards Equifax. I called today XX/XX/2023 at XXXX central time to get status of my dispute and spoke to a rep named XXXX XXXX XXXX He stated that the account I was disputing was modified and verified. I asked what kind of investigation was done and exaclty what steps were taken to verify the account in which I kept getting the same response which was " We sent your dispute to the furnisher and based on what they sent back we verified and modified the account ''. I asked again what investigation did " Equifax '' do to ensure this account was 100 percent accurate besides soley relying on the furnisher. I was told " We don't do investigation we reach out to the furnisher and whatever they send back they verify or modify the account accodringly. How is this fair and equitable to me as a consumer that Equifax soley relied on what the furnished gave them to verify the account in which they are wrong. I believe that is against the FCRA and very biased to conduct an investigation soley depending on the furnisher and not conduct a thorough investigation. Please see attatched the account I want deleted immediatley off my consumer report so it won't do further damage to my credit worthiness and profile. I have attatched proof that XXXX and XXXX have already deleted this account and copy of my driver license so you can verify me.