23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for their failure to validate a debt they have been attempting to collect, and for reporting inaccurate information on my credit report in violation of federal laws. I am requesting that the CFPB investigate this matter and compel the debt collection agency to remove their negative reporting from my credit file. 
In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I requested written validation of the debt in 2024. Despite my timely request, XXXX XXXX XXXX and XXXX XXXX XXXX failed to provide the required validation within the 30-day period.

Furthermore, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., obligates credit reporting agencies and data furnishers to ensure that any information they report is accurate and verifiable. Since the debt collection agency has not validated the debt in question, their continued reporting of this debt to the credit reporting agencies constitutes inaccurate and unverifiable information. 
Due to their failure to comply with the FDCPA and FCRA, I am requesting the following corrective actions : XXXX. Immediate removal of the debt-related information reported by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX credit reports with all major credit reporting agencies ( Equifax, Experian, and TransUnion ) .

2. Confirmation in writing that the information has been removed and will not be re-reported in the future without proper validation. 
XXXX. That the CFPB investigate and hold XXXX XXXX XXXX and XXXX XXXX XXXX accountable for their failure to provide debt validation and for their violation of federal consumer protection laws. 
These are the accounts associated with the dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX I appreciate your attention to this matter and look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi EQUIFAX, I just checking my credit report and i see this fraud collection from XXXX XXXX XXXX XXXX that was opened without my knowledge. 
I DONT EVEN KNOW WHO THIS PEOPLE ARE. This fraud collection shall delete from my credit report. I was on the phone with the fraud team from XXXX and the told me this account is fraud and they deleted it from their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a " XXXX late payment '' XXXX reported XXXX Equifax and XXXX. I leased my XXXX XXXX in XXXX. When my lease was up in XX/XX/XXXX, I got a loan through XXXX XXXX XXXX to buy out my lease. The loan officer, XXXX XXXX called XXXX XXXX on XX/XX/XXXX, and the agent gave her the payoff. A full amount payoff check was mailed from XXXX XXXX XXXX before my lease ended on XX/XX/XXXX. Now, approx 15 months later, XXXX is has reported a XXXX late payment on my credit reports. I first called XXXX and they said to simply file a dispute with Equifax and XXXX. I filed a dispute with both companies by giving my account of the lease. Equifax and XXXX sent the information to XXXX and XXXX denied the dispute. Next, I contacted XXXX XXXX at XXXX XXXX XXXX and she wrote a statement verifying the details of the payoff. I disputed the inaccurate, XXXX late payment reporting from XXXX and XXXX the letter from my loan officer, who is now the branch manager, XXXX XXXX XXXX She clearly remembers the situation. She sent the tax and title fees directly to the XXXX of Idaho. XXXX was claiming the tax and title fees were supposed to be sent to them. XXXX from XXXX XXXX XXXX called XXXX XXXX XXXX and informed them that in the state of Idaho ( a non-title holding state, ) the financial institution sends the money for the tax and title fee directly to the state and the State of Idaho mails the title to the lienholder. They finally sent the title to XXXX XXXX XXXX several months later. I have the supporting document from XXXX XXXX XXXX or you may reach XXXX XXXX at XXXX. I have worked very hard to have an excellent credit score and XXXX 's XXXX late reporting dropped my credit score by XXXX points on XXXX XXXX, XXXX. This is the only negative item on my credit report.
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 :
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a credit cards from XXXX with a balance of {$68000.00}, XXXX with a balance of {$150000.00}, XXXX with a balance of {$6200.00}. 

I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts as reported ; these accounts appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and reported. The following inquires I have no knowledge of nor did I authorize neither. I'm demanding that these fraudulent inquires be removed from my credit file immediately. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX XXXX  ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX  ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) XXXX ) XXXX  ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX ( XXXX ) 11 ) XXXX XXXX XXXX ( XXXX ) 12 ) XXXX XXXX XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX )
Product: Debt collection

XXXX XXXX wont stop harassing me for a balance I had with Klarna. Klarna sent my balance of {$140.00} to collections with XXXX XXXX without my knowledge I had a payment due. I paid it off awhile ago and XXXX XXXX is still harassing me and I can not get them to stop. I paid klarna {$140.00} and have no balance due. I should not be harassed anymore. They need to fix my credit if they messed with it. I will attach a photo of my {$0.00} balance due with klarna and the harassing emails Im getting from XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a debt listed my credit reports ( XXXX-Equifax-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  Phone Number XXXX The Collections Company XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a XXXX XXXX XXXX listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this account
Product: Mortgage

Homepoint Financial has been refusing to remove our PMI when we are more then 80 %. I began requesting removal since XX/XX/2021, Ive submitted the documents, we had the XXXX come by XXXX XXXX. Homepoint received the information and weve called and have not had it removed, Ive called and documented what we have been experiencing and Ive told them what is napping is unethical, since they are holding on to our PMI and not removing it. It should have been removed in XXXX and now we received a letter stating our loan will be transferred to XXXX XXXX! This is a high risk loan service with for those whos credit is questionable. Weve never been XXXX, have always paid, never missed a payment, we have high credit scores, And! We noticed our interest rate is different! We signed FHA not a variable. We have been treated unfairly and cheated by XXXX Financial. This falls under the XXXX XXXX. Please, advise.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX
Product: Checking or savings account

So chime is advertising to customers if they referrals to co works using a referral link that both parties would receive a XXXX $ upon stipulations which included using the individual referral link and downloading the app and setting up direct deposit and then we would have to have direct deposit from our employer within 30 days of signing up the the referral link. And I was told that after doing all of this I had to wait until I received there debt card within 14 business days to receive the bonus and once debit received it had to be activated and after all that I still wait 48hrs to receive the XXXX $ bonus which I never received. There also advertising similar products on kashkick but to receive XXXX $ if signed up for direct deposit and depositing XXXX $ or more direct from employer but have not received any of there promotion for my direct deposited info
Product: Student loan

have been in a repayment plan with Student Loans Solutions that charges me {$40.00} per month when my payment plan is {$0.00}
Product: Credit reporting or other personal consumer reports

ask to give proof of why are late payment and not reporting payment are on my report a
Product: Credit reporting or other personal consumer reports

I am submitting this complaint in regards to the inaccurate and unknown things on my credit report. Please verify that all information is 100 percent true, accurate, correct. Please remove these items in my file. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am the co-signer of a Navient ( formerly XXXX XXXX ) student loan for a family member. The loan balance is {$71.00}. I would like to be released from this loan, but Navient requires that the borrower initiate the process. I find this strange because Navient considers this " my loan '' and has harrassed me in the past, when the borrower was late or they needed updated information on the borrower. Your assistance is greatly appreciated.
Product: Debt collection

I have been called 3 times a day 7 days a week for 2 months from Global Resolution Group , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX Now they are contacting my landlord after I have told them to send and only speak to me by mail. 

My landlord sent this text messages .. verbatim ... ... 

Good morning. While I am uncertain how my phone number was listed, Global Resolutions phoned me yesterday and need you to call XXXX to resolve some situation. 
I acknowledged I would inform you. 


this is humiliating and wrong to tell my landlord that i need to call and call to resolve an issue. that alone is breaching my privacy. Where did they get her number to begin with sounds more like skip tracing which I thought was illegal now. 
please have them dnc her number and stop this mental and emotional abusive tactics
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with the numerous unsuccessful attempts to correct the late opening of my account with Credit Bureaus. Despite multiple communications and efforts on my part to rectify this issue, the problem persists, causing undue inconvenience and frustration. 

As a valued customer, I expected a higher level of service and efficiency from your organization. However, the ongoing delay in addressing the late opening of my account has not only inconvenienced me but has also hindered my ability to engage in timely financial transactions. 

I have made several attempts to resolve this matter by contacting your customer service department and submitting the required documentation. Despite assurances of prompt action, the issue remains unresolved, and I have yet to receive a satisfactory resolution. 

I urge you to prioritize this issue and take immediate steps to correct the late opening of my account without further delay. Timely action is essential to restoring my confidence in your company and ensuring a positive customer experience moving forward. 

Additionally, I request transparent communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to explore alternative options, including escalating this matter to higher authorities and seeking legal recourse. I am asking for your assisstance to correct these fraud items in my credit file : XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 Balance : {$10000.00}.
Product: Credit card

Alot of credit cards and personal loans along with bank account was open under my name and my social security number. Now that I am working and trying to open bank and credit card accounts, my report show alot of default and collection to which i have no knowledge.
Product: Mortgage

I was working with this company to refinance because I wanted to pay off a loan that I had, but I kept wanting to speak with the broker/lender of the company of the company because I had several questions before signing the forms, but there was another person XXXX who was the lead person who always stated he would forward the questions to the broker/lender and each time I would try to call this person, he would never answer his phone, but XXXX would. The disclosure papers would never indicate the amount of money that I had requested that was needed to pay out the loan, but all of this other money they were making off my home which was over {$100000.00} but none of it was ever used for what I requested until I asked another lender to take a look at the disclosure form after I closed and he began to tell me that they didn't give me the money requested, it was no net tangible benefits, they only gave me {$420.00} in closing and the rest they took out of my equity. I want this business closed, all that were involved to loose their license and for then to repay my money on my home that they stole because basically they bamboozelled me and I still haven't gotten the money they were telling lies that it was going to come from my escrow which I knew that wasn't true because my escrow is in with my mortgage, then it was the city is supposed to send you the money. I got some many lies until my check will be mailed by XXXX and it hasn't arrived yet and I closed in XXXX. I just wonder how many people they have done this to. To have to steal money off their house. The guy XXXX XXXX who I was calling and emailing to, as soon as I closed he leaves the company and finds a new job with another mortgage company, but gave me his personal number to call anytime I needed anything. I personally want this company shut down for taking advantage of people especially me and stealing money off my home. this is from XXXX present. No resolution.
Product: Mortgage

Wells Fargo sent a claim to XXXX for XXXX XXXX XXXX ( Loan Number : XXXX ) for a fire that happened on XX/XX/2023. There are no incident reports of ( criminal or fire related issues ) for XX/XX/2023 at XXXX XXXX XXXX XXXX, MD XXXX. 

Wells Fargo reported the loss on XX/XX/2023. Again, there is no incident report. XXXX reviewed the claim and supposedly the house and sent over damage estimates. Wells Fargo was paid {$51000.00} on XX/XX/2023. XXXX sent the claim payment to XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX, CA XXXX. 

XXXX XXXX XXXX is not a part of the XXXX XXXX XXXXXXXX XXXX and should not have received any information or payment on behalf of the XXXX XXXX XXXXXXXX XXXX. 

Wells Fargo, again, has committed another fraudulent activity to obtain money from a home while the home is in short sale. They accepted the short sale offer and the insurance claim check. 

Our Short Sale Group, XXXX XXXX XXXX was not made aware of the insurance claim. To date, they are still uninformed of the claim or insurance payment. Emails of the short sale and insurance claim correspondence is attached below. 

Again, there are no incident reports for a fire on XX/XX/2023 at XXXX XXXX. Wells Fargo need to be sued and shut down. I'm sorry this information is beyond me. 

We also didn't receive any information of the incident, claim, and payment until after XX/XX/2023. The letter is postmarked XX/XX/2023. Photos and documents are included. 

Did Wells Fargo set the fire?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted The XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) regarding late payments inaccurately shown on my report from XXXX & XXXX of XXXX. I spoke with a rep named XXXX to advise that based on The CARES Act the payments during Covid should not have been reported as late. I was assured that the information was being sent to the necessary department to have the information updated. I was also promised an email confirming the same. As of today, XX/XX/XXXX, I have not received any email with that information and the payments still incorrectly show as being late on my credit reports. I contacted the company again and was transferred twice to an automated system about requesting a security freeze or my credit report ( which is not what I am requesting ).
Product: Student loan

I disputed this alleged student loan account. I've previously requested to see a copy of original documents with my signature for this loan. I didn't receive the documents in 30 days any of the three credit bureaus. As I further investigated all three credit reports. I noticed the creditor reported different account balances for this account. Innovis never provided me with original loan documents with my signature for any loans or source. Im still requesting same documents or remove loans. My next remedy would be to file a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Type : Chapter XXXX Bankruptcy Status : D ischarged Date Filed/Reported : XX/XX/2011 Reference No. : XXXX Court : Us bkpt ct fl XXXX  XXXX Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.