23daVinci/CFPB_Complaints huggingface dataset:
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 {$97.00}. 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. 

-- COLLECTION ACCOUNT 1. XXXX XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$97.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have filed multiple disputes against a recent fraudulent debt collection placed on my credit report by XXXX XXXX XXXX on behalf of a XXXX property. 

In my dispute, I provided a detailed attestation of truth as well as proof of payment of the amount XXXX XXXX XXXX is saying I owe on behalf of XXXX. In the attestation, I exposed that XXXX XXXX XXXX is using a false financial statement from XXXX that indicates that I made payment but was also manipulated to make it seem as though I still owe a debt. Experian is allowing XXXX XXXX XXXX to keep this false debt on my credit report stating the company has certified that I owe the debt. If all a debt collection company has to do is fraudulently and deceptively manipulate a financial statement and a consumers XXXX XXXX is put in jeopardy due to those practices, consumers rights are in great danger in XXXX hands. I have a hard time believing that a real person reviewed my documents. I am requesting for Experian to demand more information from a debt collection agency before placing a debt collection on a consumers report. A basic XXXX document that can be easily manipulated should not outweigh my bank statements. My bank statements and email from the property management acknowledging that my application was not processed correctly due to system error is more than enough proof to have the collection removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX  Account Number : XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Balance : {$10000.00} XXXX XXXX XXXX  Account Number : XXXX Balance : {$10000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$860.00}
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized and i am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I refinanced and my mortgage was sold to BSI financial. Initially, I used their online services to pay my mortgage but the system was unreliable and I would miss mortgage payments. I switched over to my bank to pay the mortgage. This initially worked but in XX/XX/XXXX, they increased the mortgage due to an escrow shortage. I didnt want to pay more on my mortgage so I sent monies to cover the escrow shortage. I spoke to a BSI contact and was told that the money I sent would be added to the escrow and I can continue to pay my original mortgage amount. This did not work out as planned. BSI didnt apply the monies to the escrow shortage so each of my monthly payments were short. I called BSI repeatedly even paid additional monies to get the money to the escrow shortage and still the problem continued. Finally, i decided to just pay the new mortgage amount to stop the insanity. Now, they are saying I only paid a portion of my XXXX mortgage and they want the remainder. My bank records show the full amount was paid. In fact, my bank records will show all my efforts to work with BSI. I have asked them repeatedly to sell my loan but to no avail. I see they were fined in XXXX for similar issues. Just note the problem continues. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

I have been disputing an account with Prestige Financial, XXXX and XXXX for over 4 years now. I was a victim of Identity theft where I've provided a police and identity theft report several times. Everytime the account come back vertified and accurate, which is expect with me being a victim of identity theft. I have ask all companies to take extra steps to resolve this issue for me and i am doing the same to the point i want to hire an attorney and sue. I've called and spoke with Prestige rep by the name of XXXX XXXX where a document was provided with a signature that wasn't mines. I was also informed of the fraudulent activity on the actual account. So the account was open in my name and they used other people account numbers to pay the payment each month. As i explained to the rep if that wasn't enough red flags of fraud what more would be needed. I am making this complaint today with hope of you guys being able to help me get this issue resolved and delete and blocked from my credit report. I have exhausted all options and help this complaint is my last path before having to pay a lawyer to become involved.
Product: Credit reporting or other personal consumer reports

I called XXXX on XX/XX/year> at XXXX XXXX  ET and discussed with a customer service representative my issue. XXXX XXXX XXXX loans has since dissolved their website and phone number and I am unable to request any payment or balance information from them. I informed the representative that the balance they had on file was incorrect and was ~ {$1300.00} more than what I remember the balance being with XXXX XXXX. I requested a full payment history from the previous borrower ( XXXX XXXX ) and information on the balance at time of transfer. I informed them I would not make a payment until the balance was confirmed. I never received any mail, emails or correspondence with the information I requested. Today I noticed that a XXXX  day late notice was reported to the credit bureau 's and no XXXX or XXXX day notice was reported. This has negatively impacted my credit score to the point where I might not be able to qualify for a mortgage loan. XXXX has stated that they will not perform any " Goodwill Requests '' and hence my credit score can not be corrected. I feel like I should have been given due process to contest the error before any negative credit reporting was sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a 5 year opt-out form on XXXX XXXX, XXXX and then completed a permanent opt-out form at the beginning of XXXX. In XXXX XXXX I was told by a national bank that Equifax was selling my information even though I completed two ( 2 ) opt-out forms and was supposed to be on the opt-out lists. After I heard they were still selling my information, I filled out another opt-out form in XXXX XXXX and sent a copy to Equifax with a certified letter on XXXX XXXX, XXXX. I filled out three ( 3 ) opt-out forms from XXXX and they are still selling my information. In the certified letter I sent them I informed them again that they should not be giving out and/or selling my information to anyone since I am on the opt-out lists. In addition to sending the opt-out form to Equifax, I also made it very clear in my certified letter that I wanted my name, address, and social security on their permanent opt-out list. As of XXXX XXXX, XXXX they still do not have my credit file marked as " Opt-Out '' and they are still selling my information which violates my rights under the FCRA. They are also changing dates on my accounts on my credit report. For example, an account was closed in XXXX and it was originally last reported as closed in XXXX, but Equifax changed the date to XXXX. That is 6 years after the account was closed. Another account was closed in XXXX and last reported closed in XXXX, but Equifax changed the date to XXXX. That is 7 years after the account was closed. The dates have been changed on almost half of my accounts in my credit report. Why? I believe they are changing dates because they want to keep these accounts on my credit file. If they keep changing the dates then it stays on my credit even though these accounts have been paid off and closed for years. This also violates my rights under the FCRA. I disputed these date changes and they never answered my question. They also did not fix these dates or take it off my credit report. I also disputed duplicate accounts that have the same account numbers, same closed dates, etc. and they did not delete the duplicate account. I want Equifax to mark my credit file as " Opt-Out ''. I do not want them giving out and/or selling my information to anyone. I want Equifax to either fix the dates or take the accounts off my credit report. I also want them to delete the duplicate account.
Product: Vehicle loan or lease

They will not provide me with a release of lien, I've called on multiple occasions and they continue to tell me they will not give me the release of lien
Product: Credit reporting or other personal consumer reports

I think FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXXXXXX XXXX XXXX  account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This complaint is the result of numerous actions trying to get a fair solution to this issue. 

There is a late payment reported in XX/XX/XXXX on the XXXX AUTO LOAN : XXXX XXXX XXXX. Account # XXXX. I am a frontline worker XXXX  and essential worker. I got an extension after lease was extended. I was affected by covid-19. I was locked out of app and when I called XXXX, they told me no payments were due. 

I have been through a really hard situation that has a simple solution. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc. ). Your company has committed multiple violations of the FCRA : - Negligence - Unfair business practices - Failing to provide online access - Failing to give deferment - Failing to send late payment insertion notice My demand is to get the late payment or the entire account removed from all credit reporting agencies.
Product: Mortgage

On XX/XX/, I called XXXX XXXX, loan officer at Mr. Cooper to see if my husband and I could be " pre approved '' for a residential home loan, which in a recorded call he took a verbal application for lending, ran both our credit reports and approved a pre qualification letter materially misrepresented as " Pre Approved ''. We were offered one loan product, conventional with 5 % down and a XXXX amount of closing costs, being under the understanding that no further litigation was occurring for a previous loan as of that date. On the same date, the company 's outside counsel filed a motion for restraining order to restrain me from settlement negotiation this same counsel invited in a recorded phone call, so on XXXX XXXX XXXX with the possibility of a new judgment, I was forced to cancel the verbal application and revoke our approval for further credit checks and to prevent any further forward actions under pending loan XXXX. 
XXXX XXXX XXXX after never receiving a cancellation of the pre qualified verbal lending application as of the date this application was cancelled both verbally and in writing for two days till XX/XX/2023, XXXX in origination took my call and told me unfortunately Mr. Cooper was not legally allowed to cancel any application for lending and I understand he stated that it would remain pending for 5 years.
Product: Debt collection

This not my debt, I've received multiple calls negative towards me. 





15 U.S.C. 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OF 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 XXXX, the companies listed have 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
Product: Money transfer, virtual currency, or money service

A review was sent to zelle from my bank, XXXX XXXX, in XXXX, the reply came back saying my phone number, XXXX XXXX XXXX, van not be used. Previously, it was used with XXXX, the service was canceled, no issue with Zelle. I request my number reinstated for use with Zelle.
Product: Debt collection

Requested a validation investigation from LVNV Funding. XXXX XXXX XXXX responded ( XX/XX/2020 ) that they handle account for LVNV Funding. Requested a validation from XXXX XXXX XXXX ( XX/XX/2020 ) and they have not responded or validated the account. A 2nd Letter was sent ( XX/XX/2020 ) and there was still no response. They are reporting to the credit bureau and responding to the credit credit bureaus request but not responding to me.
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 any purpose.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This lender is not mine but the buyers who are purchasing our home. 1st Issue : The lender ordered an appraisal and when that company came out, she didn't measure our home and do a thorough inspection. We ( buyers and sellers ) felt they didn't do it correctly so we asked the lender what our options are. The lender suggested we get a second appraisal but it would be at the seller 's expense. We agreed. Got the inspection done - correctly with correct price, measurements, etc. The lenders came back and said they would still go with the first appraisal report and amount. They never once communicated with us that it wouldn't matter if we did a 2nd appraisal because they were still going with the 1st report. Wasted time and money. 
2nd Issue : less than 24 hours before closing the purchase, the lender sends an email stating they need to delay the closing time from XXXX to XXXX. We informed the lender and buyer 's agent that we needed them to close at XXXX because we need to complete that transaction before we can close on our new home which was at XXXX that same day. I called the lender and they refused to answer my calls, emails and questions. She kept referring me to the buyer 's agent who also told me she didn't know anything. XXXX on the day we close on our house, the agent and lender still has no clue what time they are able to close and no one is answering me. I'm writing this complaint and still am uncertain what time they are closing. 

This lending company is very unprofessional. Here are some of the things they have done. - called the appraisal company pretending to be me, told the buyer 's agent that she just wants more on her commission for the sale of the purchase, refuse to answer my calls, emails and answers and telling me I have no right to report them. I have emails that show all this.
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher XXXX and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, XXXX, Experian ) PLEASE!!! **They keep closing and reopening XXXX accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these XXXX accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 


Experian 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
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my consumer report and I did not give permissible purpose for these accounts to report to my consumer report pursuant 15 USC 1681b ( a ) ( 2 ). Without my consent this is reporting fraudulently. You are committing FRAUD!!! Please remove these fraud accounts, fraud inquiries and fraud addresses from my consumer report!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

I disputed incorrect information that XXXX and XXXX reported to my Experian credit file. Experian removed the incorrect information. I just checked my Experian credit file today and noticed that the items have been re-inserted. According to the Fair Credit Reporting Act, Experian should have notified me within 5 days of the re-insertion. I did not receive such notification, and the item should be removed.