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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a CFPB compliant against XXXX XXXX. They said it isn't them that is misreporting the data. Yes, a foreclosure was started by XXXX XXXX  in XX/XX/XXXX but, the house was short-sold in XX/XX/XXXX and it never foreclosed. Experian is showing in the 24-month payment history a Charge off status XX/XX/XXXX. This is an error. You can see the other 2 bureaus do not report this information. This issue is causing me a mortgage decline because my lender says my house was foreclosed not short sold which is wrong.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically invoking 15 U.S.C. 1681c-1 ( b ) ( Section 605B ), and addresses the serious issue of a data breach that has compromised my personal information. 
Dispute of Inaccurate Information I am disputing the following inaccurate and fraudulent information appearing on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX No Name on Account XXXX Nature of Dispute : Account opened fraudulently due to identity theft ; this account does not belong to me. I demand that this fraudulent information be immediately removed from my credit report, as mandated by Section 605B. Under 15 U.S.C. 1681c-1 ( b ), you are required to block this fraudulent information within four ( 4 ) business days upon receiving my request, supported by an identity theft report ( enclosed ).

Failing to comply with this statute subjects your organization to penalties and legal action, including compensatory and statutory damages. You are obligated to investigate and correct this issue, and I expect a formal confirmation of the deletion within the legal timeframe.

Identity Theft Report and Supporting Documentation Attached you will find my Identity Theft Report and supporting documentation, which includes : A copy of my FTC identity theft affidavit.

Relevant proof of my identity drivers license, ssn.

This documentation further validates my claim and obligates you to take immediate corrective action under Section 605B of the FCRA Data Breach and Negligence It has come to my attention that my personal and financial information may have been exposed as part of a recent data breach involving your organization. This data breach has led to unauthorized accounts and activities being reported on my credit file. 

Under the FCRA and relevant data privacy laws, your company is responsible for safeguarding my personal information. I demand an immediate investigation into the security breach.
Product: Credit card

This is concerning capital one on a fraud that was made to XXXX credit cards with them back in XXXX I was scamed by XXXX people concerning my credit cards a person named XXXX XXXX had made payment on both of my credit cards and had me get the cash and send to XXXX XXXX via XXXX XXXX to XXXX XXXX in a XXXX week period this happened XXXX to the sum of XXXX dollars I had a credit limit of XXXX dollars but now I owe over XXXX the payments made to my cards was withdrawn by the bank that submitted payment but they only put XXXX card in fraud and refuse to put both cards in fraud unless they here from XXXX XXXX to verify that he made payment to the account everything happened at the same time i have tried to get them to work with me on this situation I blame them for allowing me to go over my limit by that much money is just crazy and why did they not make sure payment was secure before releasing cash to me what can I do about this situation.
Product: Mortgage

I am working with United Wholesale Mortgage ( UWM ). For the past month I have been attempting to make a payment to recast my loan. It took several weeks for UWM to mail me wiring details but that was finally received. Ten days ago I wired the funds to perform the recast but have now received no response from UWM on next steps. They are now holding my funds but not performing the recast or sending any additional instructions. Today, we received a letter in the mail from them again explaining how to wire funds to them, which we did ten days ago. I dont know if they are clueless, incompetent, or just are refusing to perform the recast.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item and asked for verifiable proof and company has failed to provide of debt. The name of the company is  XXXX   XXXX   XXXX   2017  in the amoint of {$150.00}. Can you please help me to validate this debt.
Product: Debt collection

I've never heard of AMSHER until I logged into my credit report today [ XXXX XX/XX/year> ]. I filed a dispute against XXXX and provided my RECEIPT showing I paid for the item T-Mobile falsely claimed I owed, as such, XXXX removed the debt from their " original '' debt collector. 

It's apparent the original debt collector " sold '' the account to AMSHER.

AMSHER is also in violation of my rights in failing to comply with FDCPA and reporting this bogus debt to all 3 credit bureaus BEFORE ever notifying me AND before AMSHER validated the validity of this debt. 

I have also attached to this complaint an Electronic Certified Debt Validation Letter, notifying AMSHER they have 30 days from the date on the Electronic Certified Debt Validation Letter to validate this debt. 

Until then, they MUST remove this account from ALL 3 credit bureaus.
Product: Credit card or prepaid card

On XX/XX/2023, we ( myself and my wife ) directed Bank of America by US Postal mail to CLOSE our credit card account. Bank of America has failed to do so or acknowledge our request in any way. They are obviously trying to do the reverse of their fraudulently opening accounts for unsuspecting people by failing to close accounts when directed.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required byfederal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. In the month of XX/XX/year> you mailed me a letter providing me only credit card statements and a partial bill of sale for the alleged debts below. This does not proof that you are legally allowed to collect on the alleged debts below.

Your companys continued reporting of this derogatory item will be considered willful non-compliance due to the previous notifications and your continued disregard of the law. A precedent has certainly been set by the flagrant disregard to accuracy as displayed in the consumer study results. So, if litigation is necessary a pro-se representation will be prepared, and a formal jury trial will be requested. Please respond in a timely fashion, within 30 days or less, to avoid any unnecessary legal expenses. I need your company to provide me the following items below.

1. A copy of the original contract or the original ( FULL ) purchase agreement that created the alleged debt. If the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. In addition send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain of owner ship must be from the original creditor to the current alleged owner without any break in the chain.

3. If any fees or interest have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the purchase agreement.

4. Proof that you are legally allowed to collect in the state of TEXAS. Including your third party debt collection bond.

5. Also send me proof that you sent the legally required notices to me before reporting these alleged debts to any consumer reporting agencies. Including copies of the original notice and any other letter tracking your firm maintains. Let me remind you of XXXX XXXX XXXXXXXX XXXX XXXX makes clear that it debt parking without proper notices is a violation of consumer rights!!

I demand the following accounts be verified and provide me the full purchase agreement on these alleged debts to proof that you can legally collect on these alleged debts that you put on my credit file. If you can not provide all this information I need you to remove them immediately from all credit reporting agencies. ( XXXX, XXXX, XXXX ) Portfolio Recovery # XXXX Portfolio recovery # XXXX Thank You, XXXX XXXX
Product: Credit card

I have previously submitted complaints concerning unauthorized charges by Wells Fargo to my credit card for XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX. I think I should be reimbursed for these fraudulent charges. When Wells Fargo was approaached to respond, their responses were fiction. The transcription sent to me was fiction and addressed a policy that was not the one I was charged for. I was charged for a XXXX XXXX XXXX and the transcript was for " health benefits. '' Please look into the XXXX XXXX XXXX Fraud as I am sure I am not the only XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXXXXXX Unpaid Balance {$2200.00} ; XX/XX/XXXX XXXX XXXX Unpaid Balance {$760.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00}.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. 15 U.S. Code 1692g ( b ) Disputed debts - Validation of debts XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S code 1692 ( g ) validation of debt XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. Code 1692g ( b ) Disputed debts - Validation of debts XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, MD XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint against XXXX XXXX for improper Credit Reporting to the XXXX XXXX ; EXPERIAN, TransUnion ; Equifax and Unverified Debt Collection Dear CFPB Representative, I am filing this Complaint against XXXX XXXX for improperly reporting late payments, failing to verify the legitimacy of the debt they claim I owe, and violating their own arbitration clause while allowing third party debt collectors to pursue collections efforts.

Issues with Late Payment Reporting : ______________________________ XXXX XXXX Closed this account XX/XX/XXXX, and Charged off this debt approximately XX/XX/XXXX but continued to report late payments to credit reporting agencies even in XXXX of XXXX. These late payments have not been properly investigated or legally verified, yet they are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), Information reported to credit agencies must be accurate, and this ongoing reporting of late payment after a Charge-off is misleading. 

Issues with Debt Collection and Arbitration Clause : ______________________________ Additionally, XXXX XXXX has a binding Arbitration clause in effect for disputes, yet they have sent this account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; a third party debt collector to pursue payment. This contradicts the Arbitration Agreement and raises concerns about whether the debt collection efforts are legally valid. Furthermore, this account has been charged-off and is being reported on my credit report when this debt has not been fully investigated as legally mines under the Fair Debt Collection Practices Act ( FDCPA ). 

REQUESTED ACTION ______________________________ I respectfully request that the CFPB Investigate and take corrective action against XXXX XXXX, Specifically : 1 ) Immediately cease and remove all late payments reporting from my credit reports, these charges have not been properly verified as legitimate.

2 ) Provide documented proof that the alledged debt is legally mines, The original creditor agreement with my wet ink signature validating this debt as mines ; and any documentation XXXX XXXX used to validate this debt before pursuing Collections. 
3 ) Investigate whether XXXX XXXX debt collection practices violates their own arbitration clause, and take action if they are circumventing their agreement by sending this account to third-party collectors without arbitration. 

This situation is causing significant financial and emotional distress. I request the CFPB to take immediate action to ensure my consumer rights are protected under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX/XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX
Product: Mortgage

During purchase in XX/XX/XXXX, I paid estimated property taxes of {$10000.00} at closing into escrow. The mortgage company ( XXXX ) withheld the property tax funds from the wire to the title company and also failed to make a tax payment from escrow when due. In XX/XX/XXXX, I received a delinquent tax statement from the tax collector asking for {$9400.00} plus {$660.00} in penalty, interest and fees. After contacting the mortgage company they could not tell me why the funds were still in escrow and no payments had been made. Instead of paying the taxes they sent me an escrow refund and instructed me to pay the delinquent taxes and late fees plus interest myself. They refused any responsibility and will not pay any late fees assessed due to their error.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3300.00} XX/XX/2020 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile was disputed back on XX/XX/22, and Transunion received certified documentation of this complaint on XX/XX/22. The dispute was in reference to three separate fraudulent inquires that had been made on my credit profile without my consent. Within the dispute letter it detailed that according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, the fraudulent entries were causing me personal and financial harm and that I would like for them to be removed immediately. After speaking to a supervisor, he informed me that the FTC supporting documentation I submitted was in it's incorrect form, and that he would need documentation specifically from the FTC to process my dispute. This isn't proper protocol according to the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. 15 US-CODE 16921 XXXX XXXX  XXXX XXXX Bankruptcy Case Number : XXXX Delete this account XXXX 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX  XXXX Account Number : XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
16. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.
Product: Debt collection

I am a XXXX year old XXXX XXXX Veteran, over XXXX XXXX. I have XXXX and XXXX as well. I suffer from XXXX XXXX which has contributed to severe XXXX and serious XXXX issues. My health is very poor and my future is bleak! 

I have received a communication from XXXX XXXX XXXX telling me that I owe {$6700.00} from XXXX through Galaxy Asset Purchasing LLC, the original creditor. However, they will accept {$1000.00} in full settlement of this account. I have no knowledge of this charge and do not believe this bill is mine. 

Thanks in advance for your help!