23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my reques to tell you that I am a victim of identity theft and I complain to these inaccurate informations on my credit file that are fraud and I think these are not belongs to me. I never authorized the records that are seems to be unknown to me and for that I am requesting that you help me remove all of these inaccurate items in my file : XXXX XXXX - XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to review the complaint. After reviewing the Experian Credit report XXXX continues to furnish negative reporting on credit profile. My paychecks were garnished multiple times and the garnishments cease. Never changed jobs nor changed addresses. This illegal continues to deplete my credit along with creditworthiness. Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint, requesting validation of signature and how investigation occurred.
Product: Debt collection

Spoke with rep in regards to this account ask for " FULL VALIDATION '' COPY OF ORIGINAL CONTRACTS NO REPONSE. STILL RECIEVE PHONE CALLS.
Product: Debt collection

In XX/XX/2014, XXXX claims that I called them and accepted financial responsibility for a specific phone line, the person who placed the call had personal information about me. XXXX began sending bills to an old address of mine. Not one single call was ever placed from the billed phone line. The account went into collections in XXXX of 2014, with the collections appearing on my credit report. Numerous calls to XXXX denying that I made that acceptance call with a request for proof of a contract with my signature on it or the phone number that the call was placed from ( surely XXXX has caller ID and is aware of who made the acceptance call ) went unanswered. XXXX 's fraud department has repeatedly insisted that it was me that made the call, although they refuse to disclose the phone number it was placed from, or the fact that an old address was given that I could prove with a change of address form from the US Postal Service, or to provide me with proof of the phone call ( all calls are recorded for legal reasons ). XXXX continues to harass me with this collection, erroneously extending the date of first collection, affecting my credit score and numerous financial transactions. I will NOT pay a debt to XXXX that I don't owe, and I'm sure if this has happened to me, it's happened to others, but I'm not in a position to hire an attorney to resolve this issue and XXXX, so far, has refused to discuss the issue with me.
Product: Mortgage

XXXX XXXXXXXX VA Home Loan Guaranty Program legally binding mutual contract agreed terms and conditions of VA loan signed between Veteran XXXX XXXX and XXXX XXXX XXXX identified in court records as XXXXXXXX XXXX with XXXX XXXX located in XXXX loan signed in State of Utah XXXX. On or about XXXX, XXXXXXXX XXXX unlawfully bypassed VA loan terms-violated VA loan transfer legal requirements-failed to notify VA or seek " approval '' from VA Home Loan Guaranty Program federal government officials as required by CFR 38 that protects veterans loan from predatory lending practices by lenders under RESPA & FDCPA Acts, dis in fact defraud both Federal government and Borrower XXXX, did deceptively transfer VA loan to another predatory XXXX XXXX  XXXX Act violators-criminal organization who was also " unapproved '' to possess and or assume transfer of VA loan by LAW, repeatedly began a pattern of misconduct-lawlessness that nullified-breached ( 16 counts ) the VA loan ( raised rates, etc. upon Veteran making a XXXX down payment to principle, Lender identified as Planet Home Lending placed his home into default status and began wrongful illegal Grand theft to foreclose on the account- XXXX eventually took the matter to small claims court and won his settlement XXXX this action sparked defendants-smug Billionaires Mob to retaliate with at least 7 different attorneys to attack veteran, hired their previous attorney ( now a judge in the case ) and essentially countersued him in XXXX XXXX XXXX on or about XXXX XXXX XXXX compelled to appeal his case through a corrupt and absent appellate court to Utah Supreme Court Justices, who heard all oral arguments, reviewed the evidence and produced a " REMAND COURT ORDER '' on XXXX, commanding-directing lower court review the case and provide Appellant an XXXX impartial legal review. '' of veterans appeal, allow him to exercise his " appeal as of Right '' Lower courts informally " overruled '' Supreme Court ORDER, abandoned Constitutional LAW and court rules, refuse to investigate consumer law violations and judicial misconduct leading veterans to now appeal his case to federal level agencies with jurisdiction to resolve grievances.
Product: Credit reporting or other personal consumer reports

OFFER OF SETTLEMENT/ SMALL CLAIMS DEMAND LETTER THIS IS THE FINAL ATTEMPT TO SETTLE THIS DISPUTE OR DELETE IT FROM THE FILE From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Dear Equifax Information Services LLC XXXX This letter serves as the last and final attempt to settle the following matter : Equifax is inaccurately reporting my settled XXXX XXXX XXXX XXXX account Number : XXXX Despite clear documentation confirming that this account was resolved on XX/XX/XXXX, Equifax continues to report the account under the incorrect status of " Collections/Charge Off '', along with remarks indicating " Paid for less than the full balance. '' These inaccuracies violate 15 U.S.C. 1681 ( a ) of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ensure maximum possible accuracy of the information contained in consumer reports. This failure to maintain accurate information has caused significant harm to my credit score, restricted my financial opportunities, and caused undue emotional and financial stress. 

To resolve this matter amicably, I am requesting one of the following : XXXX. Immediate correction of the account status to reflect that the account was resolved in full and is no longer in collections or charged off. This includes removing all references to late payments and " Paid for less than the full balance, or delete it from my file. 


XXXX. Compensation of {$4500.00} for damages resulting from this inaccurate reporting. 

You must respond to this letter by XX/XX/XXXX. 

Failure to respond or take corrective action will leave me no choice but to pursue legal action against Equifax for violations of the FCRA and other applicable consumer protection laws. This may result in Equifax being liable for statutory damages, actual damages, attorneys fees, and other associated costs. 

I trust we can resolve this matter promptly and avoid unnecessary litigation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

There are inquiries on my profile that are hindering me from opening a bank account. The inquiries are not mine I have provided a theft report and had it signed by a law officer
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, THE FOLLOWING ACCOUNTS ARE CLAIMING TO BOTH OWN THE SAME DEBT WITH A BALANCE. AS YOU KNOW, THIS IS NOT POSSIBLE AND ALSO A VIOLATION OF MY RIGHTS. BECAUSE OF THIS, BOTH ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY DUE TO NOT PROPERLY VALIDATING THE INFORMATION IN WHICH A COMPANY HAS PASSED TO YOU. PLEASE DELETE IMMEDIATELY. 

WHEN THE REQUESTED ABOVE DELETIONS ARE MADE, PLEASE MAIL ME AN UPDATED COPY OF MY CREDIT REPORT ACCOUNT XXXX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove collection account from credit report after documentation was sent in XX/XX/XXXX from company and myself
Product: Debt collection

I received a call from XXXX XXXX who said she was a representative for Debt Management Partners. The number she called from was XXXX. She gave personal information to my spouse without my authorization and called my employer and gave information that was not authorized. I called XXXX and asked her to cease and desist any further collection activity and to stop calling my spouse or emplyer. She said that she has the legal authority to talk to my spouse or employer. I demanded that collection calls are stopped immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding several accounts that appear on my credit report, specifically under the names of XXXX XXXX XXXX  XXXX ) and XXXX XXXX XXXX ), which are reporting late payments with a XXXX balance, as well as XXXX XXXX ( XXXX ), which is reporting a charge off. I request the validation and verification of these accounts, as well as certified evidence demonstrating where I granted my consent for these accounts to be reported on my credit history. Based on this information, I believe these accounts are violating Title 15 of the United States Code in the following sections :
Product: Mortgage

I made all the payments on my 20 year loan. Now Ditech says I owe them another $ XXXX in service fees. Ditech can not provide an itemized list for the service fees.
Product: Vehicle loan or lease

This is really damage in my profile everywhere I go. Im getting denied. I had no knowledge of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone on a 3 way phone call with XXXX, myself and Amsher Collections and Amsher Collectors refuses to remove the collection efforts and XXXX has informed Amsher Collections that I am current. I have called Amsher Collections numerous times before the 3 way phone to let them know I was current but as of XX/XX/XXXX, they are still reporting to my credit reports that I owe them {$300.00} for a prior XXXX bill which in inaccurate as like I have said, I am current with XXXX and have been making monthly payments since XX/XX/XXXX. Amsher Collections has indicated that they have sent messages to XXXX with no reply from XXXX. This is no longer my problem and Amsher Collections should honor the 3 way phone call between myself, them and XXXX. I have also reported Amsher Collections to the XXXX. I have also screenshoted you a photo of my current XXXX bill.
Product: Credit card or prepaid card

On XX/XX/2021 Chase closed my XXXX XXXX Account ending in : XXXX with no consent or authorization. They then provided me with an automated response that was unclear. In the response provided below Chase stated that my accounts were closed for XXXX reasons that were not specific or clear. Chase then stated " Our decision was based in whole or in part from the consumer reporting agency listed below '' which was XXXX. Then on the very next sentence stated " The consumer reporting agency played no part in their decision '' That statement is a clear contradiction. Chase has discriminated against me under the Equal Credit Opportunity Act and has used unfair practices against me. 

I have contacted Chase numerous times only to get laughed at and disregarded by agents like XXXX a dispute supervisor who told me that he doesn't need to follow any federal laws because he was in charge. I then informed XXXX of the fact that I am a consumer XXXX XXXX XXXX ( XXXX ) and that I am aware of the fact that I am the original creditor and the account belongs to me not Chase as this was an accepted Credit card XXXX XXXX XXXX ( XXXX ) held at the federal reserve XXXX XXXX XXXX ( XXXX ) ( XXXX ), I then informed Chase that they had created an unauthorized transaction XXXX XXXX XXXX ( XXXX ) as closure of my account without my consent was a violation as I receive no benefit from such action. 

As the person who extended the credit to Chase I am hurt and distraught at the fact that they would abuse me this way. I can't believe the level of unprofessionalism and their clear disregard of the law. I have been suffering and struggling to eat and take care of myself as I relied on my credit to obtain personal and household services. 

Chase had committed an unauthorized use of my account XXXX XXXX XXXX ( XXXX ) and has defrauded me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that you are reporting the wrong Previous Addresse, see proof of address enclosed. Equifax is not compliant according to the FCRA Metro 2 reporting laws and are in violation. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated.
Product: Checking or savings account

XXXX money has been sent and I did not get any information that I am responsible for money going into the wrong bank account. So I was trying to find out why this was happening when I tired to fight for my money it was not being returned back to me. No disclosure was sent to me at the time of me sending money
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. 

Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Product: Debt collection

I noticed a collections account placed on my credit on XX/XX/2021. The debt was initially placed with LTD Financial Services on XX/XX/2021. I received no notice of debt, and I did not receive a right to dispute said debt. Since I've been made aware of this errant collections account I've sent letters to LTD Financial requesting the removal of the account, a debt validation letter, a Cease and Desist, and any correspondence signed by me licensing LTD Financial with ownership of said debt or contractual obligation with LTD Financial. 

Since LTD Financial has received the Cease and Desist letter demanding a cease in communication with me through any and all mediums the collections agency has called my personal cell line ( XXXX ) XXXX XXXX almost daily. This is in direct violation of 15 U.S. Code 1692c which states : " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. ''
Product: Mortgage

Due to a financial hardship ranging from early XXXX to XXXX, I fell behind on my mortgage payments. I worked with the mortgage company and they gave us a new payment amount. We signed a contract and took all the steps required. Even started making payments. But then the mortgage company said that we couldnt have that payment anymore and stopped excepting payments. We have been struggling to get them to communicate with us and they put our house in foreclosure.Im in the process of resolving that with them getting a new payment contract setup, but they keep telling me they cant find the documents I sent in. Multiple times.had to restart repeatedly and all the while falling deeper in debt, even though I can make the payments now. It seems they are purposely trying to take our house.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a dispute result ( Report XXXX XXXX ). Experian reported that it completed the investigation and has made updates. The only update Experian provided was a change in the Balance Date. This indicated that Experian did not investigate my account as I requested in my dispute. I requested an investigation due to a late payment being reported in error per the CARES Act. Per Section 4021 of the CARES Act, If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. Such an accommodation includes modify a loan or contract. An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. I have attached the document that shows the furnisher providing an accommodation to my account. I have also attached documentation that shows Experian not performing an investigation of the account as required by the FCRA per 15 usc 1681i a ( 1 ) ( a ). If Experian did truly reinvestigate the account and the Balance date was updated, the balance on the account would have updated also. Experian has violated my rights by refusing to provide a proper investigation and updating the inaccurate information on my credit report.
Product: Debt collection

I received a letter from Online Information Services for a bill related to XXXX XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX nor an account with the number listed in this letter. The letter appears to be addressed to " XXXX XXXX XXXX XXXX '' but this address is a residential home, not a company. The letter states that the addressee owes {$480.00} as of XX/XX/2022 for an unnamed service. Further, I disputed the debt on the Online Information Services website but it does not provide any evidence of the complaint I provided ( for ex., it doesn't let me take a screenshot of what I had submitted to show what my submitted complaint states ). 

The debt collection letter is vague on whether it thinks my home is this " XXXX XXXX XXXX XXXX '' entity or who specifically owes this debt, a copy of an invoice for the service that is related to this debt, or when this service occurred. Logging into the Online Information Services website did not provide this information either.
Product: Credit card

Some one has opened an account with my name and charged without my permission. This has been going on for years. i have tried everything I can think of. 
Please and advise.
Product: Credit card or prepaid card

I overpaid on my credit card. For weeks I have been told that BoA will reimburse me.But it has not happened. 
Today a XXXX XXXX contacted me and she was the queen of bureaucrats and had no answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

in review of my credit file i see XXXX recent inquires on my 3 credit reports that i believe are fraudulent. 1 ) XXXX XX/XX/2023 & 2 ) Equifax Mortgage Solut XX/XX/2023 I would like these XXXX inquires removed.
Product: Credit reporting or other personal consumer reports

I paid affirm off every time I dispute they lie and say the information is accurate they have lowered my score more than XXXX points they argue about my payments, I want this inaccurate information removed immediately they are destroying my credit every time I try to report it as paid they are very rude
Product: Money transfer, virtual currency, or money service

On the XX/XX/2021 I had received a payment of XXXX Ethereum coins into my Blockchain wallet. I had wanted to exchnage this into a cryptocurrency called USDT. I sent the XXXX Ethereum, valuing XXXX GBP at the time to another wallet. However, my payment had not arrived. 

I checked the website and it showed my transaction was under review. I read the XXXX XXXX XXXX and there was nothing about placing crypto transactions under review. I have contacted support a handful of times via email and twitter yet I have not received a response almost a whole week later. 

This is causing me to lose money
Product: Debt collection

Hello In review of my credit reports, there is an inaccurate account on my credit report that needs to be addressed as it is fraudulent, and I am not able to obtain credit. I am disputing the completeness and accuracy of the LVNV Funding LLC below. Please REINVESTIGATE for the account below and check every piece of information pertaining to this account to make sure everything is accurate and complete or else it needs to be Removed or Deleted. 

In accordance with the Fair Credit Reporting act. LVNV Funding has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681S-2 & 1692g. 

LVNV Funding account is fraudulent and inaccurate. A collection can not be reporting as LATE or OPEN on my credit report. LVNV Funding is reporting a past due amount on a collection account? Collections are not supposed to be reporting a past due because they are past due in the first place. 
I do not have a wet contract with this company, and I have NEVER obtained ANY business contract with the below company. Please REMOVE or Delete from all XXXX 's. 

LVNV FUNDING LLC Account Number : XXXX You as a consumer reporting agency are held to a high standard with this statute as you have a big responsibility to be fair to the consumer with fair and accurate credit reports. Anything different can jeopardize the integrity of my credit reports and has caused severe harm and damage to myself as I am not able to obtain credit. 

Please respond back with your investigation results in 30 days. I look forward to hearing from you. 

Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 {$200.00} was stolen and put into bitcoin and I asked for a refund and they told me no there wasnt anything they could do and to do better with my money next time I called the cash app number several times on a recorded line and was disrespected and hung up on and no one would put a supervisor on the phone
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. 

Accounts- XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 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.