23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

HI MIDLAND ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : 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 I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW & UPDATED INFORMATION ON TRANSUNION AND XXXX. I XXXX XXXX the consumer, have evidence that TRANSUNION AND XXXX are willlfully noncompliant to federal law FCRA 605B ( 15 U.S.C. 1681c-2 ). On XXXX I sent correspondence to XXXX in response to ( complaint # XXXX ) & also sent correspondence to TRANSUNION in response to ( complaint # XXXX ) ( see attached file ). In my previous complaint, I notified both TRANSUNION AND XXXX that they had 4 days upon receipt to block all of the items Ive listed inside of my identity theft report on XXXX. TRANSUNION and XXXX failed to meet those requirements. I have proof and evidence of both receipts ( see attached file ). Instead, TRANSUNION AND XXXX chose to put my FTC report in ( the system ) as a 30 day dispute to verify the same information PRIOR to the block WITH the furnishers of those same items I made notice of being fraudulent. Both companies are continuing to report False misleading information on my consumer report and are using the same information in my file that I made known to be identity theft, to verify the same information. By doing so, TRANSUNION AND XXXX are in violation of 15 USC 1681c-2 ( c ) ( 3 ). Theyre knowingly using the presence of the information inside of my consumer file PRIOR to the block to verify information on me. The FTC regulates this requirement TRANSUNION & XXXX failed to abide. I have documents from the FTC siding with my complaint ( see attached file ). I would like to now state that the consumer reporting agency XXXX has obeyed this requirement by blocking the information from reporting ( see attached file & see complaint # XXXX ). Pursuant to 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. XXXX and TRANSUNION are in violation for knowingly ignoring the block of information reported as identity theft pursuant to the automated system of all consumer reporting agencies.
Product: Student loan

I have a loan that is currently in repayment. Conduent was the servicer. I attempted to login to make a payment and a new message came up that states that Conduent is no longer the servicer and to contact the new servicer. I was never informed by mail, email, phone, or otherwise that the loan servicer was changed and now I have no idea where this loan has gone. I believe the loan now has a balance of {$240.00}. Original amount was {$2000.00}. The loan was originally through the University of XXXX. I can not find any new servicers or Conduent on the XXXX. How do I find this loan and resolve this. I would like to pay it off so that it does not keep getting cycled through servicers. This was inappropriate to not inform me and risk my credit.
Product: Debt collection

I was never contacted by collection agency prior to them placing a collection account on my credit files.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, this account has been classified as charged off, with this status recurring monthly thereafter. However, it's imperative to clarify that a charged off account should not be listed as part of active payment history. This misrepresentation can significantly impact the status of limitations. Your failure to thoroughly investigate this matter constitutes a breach of my rights. Thus, I insist on the deletion of the following account : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself. There is no third party involved. 

The Fair Credit Reporting Act ( FCRA ) is intended to protect consumers from invasions of privacy, and my privacy as the consumer has been invaded ; I sent 2 letters already to this reporting agency where I provided my written instruction to remove/delete : 1. Public Record ( Bankruptcy ) ; 2. Accounts in collection / charge-offs ( if any ) ; 3. Negative / late payments from open and closed accounts ; 4. Inquiries, soft and hard ; 5. Personal information ( addresses, telephone numbers, Spouse/Co-Applicant, Employers ), and if they could not remove/delete, I asked them to provide the investigated report that was used to verify these records/accounts, to provide written authenticated proof of authority sworn under penalties of perjury upon their commercial liability insurance, to provide written authenticated proof of claim sworn under penalties of perjury upon their commercial liability insurance, among few other things, to be able to verify/validate the accounts and other records I disputed ; Some items may or may not have gotten removed already but the most impacting to me is the Bankruptcy record which has not been deleted yet. This company along with the furnisher ( XXXX ) claim to have obtained this Bankruptcy record from local/state/federal courts but in the evidence I attached, you can see that United States XXXX Court advised that they do not furnish this type of information to any Bureaus or Credit Reporting Agencies so why is this company reporting this ; Also, in accordance with 12 CFR 1022.41 ( c ) ( 2 ), a furnisher can not be a consumer reporting agency as defined in section 603 ( f ) of the FCRA, however, as mentioned, this record was furnished to this reporting agency by XXXX who is a reporting agency ; Lastly, there are inconsistencies and inaccurate information across all three of my consumer credit reports which lack integrity from the furnisher ( s ) in accord with 12 CFR 1022.41 ( d ). For example, the XXXX  record in the XXXX report is showing a different address for the Court which is different than what XXXX shows, and Equifax does not have any address at all ; I asked for documentation to be provided to me if any of my disputed items/records can not be deleted and this has not been granted. Therefore, I want these removed as soon as possible if such evidence does not exist. 

Proof of the letter from Court and portion of my 3 consumer reports are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct so why are they asking me for proof. In the results of there investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? Experian have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A XXXX & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore Experian have failed to provide the method of verification as required under Section XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA - Experian are required to " ... promptly DELETE all information which can not be verified. '' Experian has violation all of my right. enclose is a copy from XXXX and they or I could get these account that Experian said they verify. 
account name : XXXX account number:XXXX account name ; XXXX XXXX bank account number ; XXXX account name ; XXXX account number ; XXXX account name ; XXXX account number ; XXXX account name ; XXXX account number ; XXXX Please send all papers and my signature to me on these accout, enclose is proof that they are not mine.
Product: Vehicle loan or lease

My car was totaled on XX/XX/XXXX. My insurance company, XXXX, reached out to the Huntington National Bank for the payoff amount and I received a noticed that a check had been mailed on XX/XX/XXXX. On XX/XX/XXXX I received a notification from Huntington National Bank that my loan payment was overdue. I reached out to the bank on XX/XX/XXXX to find out why the check had not been applied. They stated that they did not receive the check. I asked my insurance company to send a new check and have the check overnighted with tracking information. The check was received and signed for by XXXX XXXX. When I called Huntington Bank to see if the check had been applied yet, they stated that they had not received the check and opened a lost check ticket. After investigation, Huntington stated they had received the check but that the vehicle 's VIN number was not on the check, so they did not apply it. They also stated that the payoff amount had gone up. My insurance provider, XXXX, sent me photocopies of the check which shows the account number and VIN number were both on the check stub. XXXX sent yet another check overnighted on XX/XX/XXXX. This check was finally applied ; however, Huntington National Bank is insisting there are late fees and a remaining balance of {$140.00}. All checks mailed to Huntington National Bank did contain the appropriate information on the check stub, yet they refused to apply the checks and continued to increase the balance of the loan so new checks needed to be made out. At this point, we are well into XX/XX/XXXX and Huntington NationaXXXX Bank is continuing to drag this process out in order to add to the loan amount. My insurance provider continues to send checks and when I call Huntington National Bank they insist their records show that the checks did not have the appropriate information on them to be applied even though I have photocopies of the check showing they do. My most recent call to them today, I was told that they have tried to reach out to me to resolve the issue but I have not received a single call. I have already purchased a new car and made sure to use another bank for the loan. The last thing I need is for this to impact my credit as I have never missed a loan payment in the past. Today when I asked to speak to a Huntington National Bank supervisor I was hung up on. I hope the calls are recorded. 
My car was totaled when it rolled over off a dirt mountain roaXXXX in Vermont with my father and my XXXX XXXX inside. I just want this loan closed out to put this awful car accident behind me and my family.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX XXXXInquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Product: Mortgage

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XX/XX/XXXXXXXX that they are transfering the servicing of my mortgage loan to Mr. Cooper effective XX/XX/XXXX. 
On XX/XX/XXXX, I sent my mortgage payment to Mr. Cooper with the amount of {$650.00} through my bank 's billpay because the mortgage is due in the XXXX of the month. 
I have called Mr. Cooper on XX/XX/XXXX and XX/XX/XXXX to get an update regarding with my mortgage and was told to send proof of payment. 
On XX/XX/XXXX I have sent my proof of payment to Mr. Cooper at XXXXmrcooperXXXX On XX/XX/XXXX, I've tried to call customer service again. They said that they can see the payment there. But how come they could not apply it to my account to reflect that I am current. 
On XX/XX/XXXX, I've tried to call again and was told to send my bank statement. 
On XX/XX/XXXX I have sent an email to XXXX XXXX, one of Mr. Cooper 's representative, my bank statement showing that I paid my mortgage before it is due in XX/XX/XXXX. 
On XX/XX/XXXX, I've made a payment of {$650.00} for the due date XX/XX/XXXX because I am not sure when this will get resolved. By now, I shouldnt have any delinquencies. Until now, my account shows that I am delinquent and they sent me a letter that my mortgage is in danger of foreclosure. I am XXXX XXXX XXXX and this is causing a lot of stress and aggravating my health. I have an upcoming XXXX and I shouldn't have this kind of problem.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft through the XXXX data breech and also the XXXX XXXX data breech. Attached is a copy of my Identity Theft Report with all listed fraudulent accounts also below. It is against consumer law to report incorrect fraudulent items on consumer credit reports. 

Fraudulent Accounts on Experian XXXXXXXX XXXX XXXX {$1200.00} Account XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth isXX/XX/XXXXand my Social Security XXXX is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed accounts, I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that Experian has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
FROUDULENT ACCOUNTS! 
XXXX XXXX XXXXXXXX Balance : {$650.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$2400.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Credit card XXXX  Balance : - Balance updated : - Credit limit : {$750.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Charge Card FROUDULENT INQUIRYES! 
XXXX XXXXXXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX FROUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX, CA XXXX FROUDULENT EMPLOYERS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ditech took down access to statements and online account access for 10 days. This is impacting my ability to refinance as I can not get my statements. I agreed to go paperless. What they did not disclose was a way to get access to my statements during the upgrade - I called and they could n't even fax them to me. If companies are to provide online statements they should keep them accessible online and not inaccessible for more than 48 hours. I want to know what the law is and am certain Ditech is not within the law. This disclosure I attached and they posted does n't tell you that consumers ca n't access copies of their mortgage statements for over 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I am reaching out because there is a collection account on my XXXX and Experian Report. The account by XXXX XXXX XXXX is a fraudulent account. I have disputed this via XXXX, Experian, and through themselves. I haven't received a response from them at all. I am requesting that this account be removed from my credit report asap. I have attached my police report. My next step is to retain an attorney to get it removed and to sue the bureaus. 

Also, this is me, XXXX XXXX XXXX, submitting this dispute. Everytime that I submit a dispute through here, they try to say that it isn't me. This is me and I would like this resolved asap.
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 ate for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I ordered them to stop transaction, but it was too late, I provided them info to the scammer which I had to find myself bc their investigation was a failure I contacted them with proof after contacting the scammer proving it was them and they done it but they allowed the scammer to keep my money and thats not bc fair after I provided proof and had to do my own investigation contacting a stranger that has bad intentions! Its danger