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

I have written a letter to Experian dated XX/XX/XXXX. A signed certified return receipt for this letter ( document provided ) was on XX/XX/XXXX, requesting that XXXX XXXX along with several other creditors be removed from my credit profile because it violated the 5 day reinsertion rule.
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Experian has made the changes to all other creditors to date except XXXX XXXX. On XX/XX/XXXX, I received a letter stating that the investigation will be complete on XX/XX/XXXX. This is beyond the 30 day period for reinvestigation. Today XX/XX/XXXX is the 45th day. This creditor was already disputed and previously removed in XX/XX/XXXX, the CRA has had ample enough time to complete this investigation and is now in violation. XXXX XXXX should be deleted just as the other creditors due to the 5 day reinsertion rule.
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Attached are the documents supporting that the creditor XXXX XXXX was on my profile dated XX/XX/XXXX. Two weeks later XX/XX/XXXX, I received an updated report with XXXX XXXX removed. Thirty three days later on XX/XX/XXXX, I received a report in which the creditor still remains deleted. Currently the creditor has been reinserted in my credit profile. Which is illegal without the debtor be made aware of reason of being inserted.
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The CRA has not given any letter or has forwarded any validation of this debt however is now informing me in the latest credit report ( see attached ) that even more time is needed to continue to investigate. This is an act of non-compliance of several crediting report laws and statutes.
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I have provided such evidence that my consumer credit profile is not being reported accurately and fairly by the CRA. This creditor XXXX XXXX must delete this from my credit profile or a civil action claim will be sought out as the next communication.
Product: Debt collection

I am a victim of the XXXX XXXX XXXX and I am filing this FTC Identity Theft Affidavit to report and request removal and blocking of a fraudulent accounts opened XX/XX/year> on from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$2900.00} appearing on my consumer XXXX credit report which I do not recognize which are the result of the XXXX XXXX XXXX. I demand the mentioned fraudulent items be blocked and removed from each of my consumer credit reports with in XXXX  days pursuant to FCRA XXXX XXXX XXXX and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

Sometime in early XX/XX/2016 I was admitted to the hospital with an illness. I have very extensive healthcare coverage so I was not worried about it. About 8-10 months after that I started receiving calls from a restricted caller, trying to avoid scams I never answered. After repeated calls over the next month I finally answered and the caller stated I owed a debt to their collection agency. I asked for more information as well as an itemized bill to be sent to my residence. Even now a year and a half later I have received absolutely nothing in writing or by letter. They continued to call me over the next few months and I repeatedly asked for more information and an itemized bill. The caller assured me one has been sent to my address and verified my current address. I stated that I had not received anyone and asked for another to be sent. This exact exchanged happened a few times but I have yet to receive anything. Eventually the calls stopped so I assumed it to be fraudulent and forgot about it. Then just a week or so ago I see a huge hit to my credit score from this agency, this leads me here today.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE THE ATTACHED INFORMATION!! 
XXXX, XXXX, AND EXPERIAN I NEED TO KNOW YOU ARE GETTNG YOUR REPORTING INFORMATION FROM. PER XXXX XXXX WITH XXXX XXXX  YOU ALL ARE THE PROBLEM
Product: Credit reporting or other personal consumer reports

I have multiple inquiries on my credit report of someone applying for credit in my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax Information Services LLC credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CAR-MART XX/XX/XXXX
Product: Debt collection

At the time this debt was incurred, I was on XXXX and also State of Georgia XXXX Medicaid. The original creditor must not have filed a claim with Medicaid for payment. A medicaid patient is NOT liable to pay out of pocket, can not be billed balances, and can not be turned over to collections or held responsible for balances. My Medicaid number at the time was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

WORLD FINANCE ALLEGEDLY STATES THAT THE FIDICUARY XXXX XXXX OWES THEM AN ASSUMED DEBT OBTAINED AT ONE OF THEIR BRANCHES. I HAVE NO KNOWLEDGE OF SUCH ACCOUNT. THEY CLAIM THAT THE CONTRACT BEARING XXXX XXXX SIGNATURE GIVES THEM CONSENT TO REPORT THE ALLEGE DEBT TO THIRD PARTY AGENCIES BUT THE CONTRACT RECEIEVED ; DOES NOT HAVE A SIGNATURE BEARING ON PAGE 4 OF 4 " AUTHORIZATION TO COMMUNICATE WITH THIRD PERSONS '' ALTHOUGH, INITIALS ( TWO LETTERS ) ARE PRESENT IT STILL DOES NOT REPRESENT THE FACT THAT THE ACCOUNT WAS MADE TO XXXX XXXX NOR WRITTEN PERMISSION OR PERMISSIBLE PURPOSE TO REPORT SUCH DEBT. THE CONTRACT DOES NOT CLEARLY STATES THAT THE DEBT WITHIN THE CONTRACT WOULD BE REPORTED UPON DEFAULT. WORLD FINANCE XXXX VIOLATES THE LAW ACCORDING TO 15 USC 1605 REGARDING A FINANCE CHARGE. THE LAW STATES THAT WHERE THERE IS A FINANCE CHARGE IT IS DETERMINED TO BE THE SUM OF ALL CHARGES INCLUDING INTEREST, FEES, PREMIUMS AND ALL OTHER CHARGES APPLICABLE. WORLD FINANCE CONTRACT REPRESENTS THAT THERE IS A FINANCE CHARGE. WORLD FINANCE CORP CONTRACT INDICATED PROOF OF PPREDATORY LENDING UPON USURY. WORLD FINANCE CORP CONTINUES TO REPORT ON A CHARGE OFF DEBT AND ATTEMPTS TO COLLECT ON A DEBT THAT IS CHARGED OFF. WORLD FINANCE CORP ASSUMES XXXX XXXX OWES THIS DEBT. WORLD FINANCE CORP IS VIOLATING MY RIGHTS THAT CONGRESS HAS SET FOR CONSUMERS OPERATING IN COMMERCE. 
WORLD FINANCE CORP HAS DEFAMED MY CHARACTER AND DESTROYED MY CONSUMER CREDIT REPORT. 
WORLD FINANCE CORP HAS DESTROYED MY CONFIDENCE IN THE ECONOMICAL MARKET.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX EOS XXXX XXXX
Product: Mortgage

I refinanced my loan back in XX/XX/XXXX with XXXX XXXX and they sold my loan to DMI in XXXX XXXX. I sent my first payment to XXXX XXXX on XXXX and was received on XX/XX/XXXX. XXXX XXXX forwarded my check to Dovenmuehle Mortgage DMI when they sold my loan. DMI cleared my check on XXXX/XXXX but didnt apply it to my account. I didnt find out about it until I checked my XXXX account and checked my mortgage account, it was then that I discovered my mortgage balance was still the same, nothing was deducted but they cleared my payment. I had called several times, even spoke with four different supervisors and each time I call I have to explain myself over and over again. All of them dont seem to know what theyre doing. I even emailed them my proof that my check was cleared by them and itsBeen almost two weeks and I still havent received any response. please help. Recently, I checked their XXXX and XXXX page and all I saw was negative reviews. They were rated 1 Star on XXXX. Im surprised Dovenmuehle Mortgage is still operational despite their horrible customer service.
Product: Mortgage

In 2020 I received a call from my Mortgage XXXX XXXX, company stating that if I'm having financial issues related to the COVID 19 pandemic that I could pause my payments for up to 1 year. At this time my business was totally halted from the pandemic so I elected to paused my payment for this time. It is important to know, this program was a no documentation program that they said was issues by the federal government in response to the pandemic. All I had to say was yes pause my payments and they would extend my term by how many months i decided to pause my payments. 

At that time my payments were a little more {$1900.00} dollars a month. Although I had a year to stay in the program, After 5 months my business was back up and running. I called XXXX XXXX and everything went bad. XXXX XXXX representatives explained to me that they made a mistake and give me false information. They stated that they did not 'pause '' payment, and the payments did continue. In fact, when I got out of the program. each payment that I missed would be taxed on to the principle! Meaning each month the Principle of my loan increased by the amount on my mortgage payment. The amount I owed went up by more that {$10000.00}!!! Even more, while disputing the mis-information, I could not get out of the " pause '' because that would trigger the increase principle payment. 

During this time of dispute, I paid my mortgage payments on time. None of the mortgage payment went to my account. For over a year, my payment went into a " non-asset '' account. Over {$20000.00} was place in this account. Although Ive paid the agree time, My XXXX balance is more than {$12000.00} more than what it was 2 years ago and a {$22000.00} payment that is also due. 

To make thing even worst, While we were disputing this issue XXXX XXXX sold my loan to the ABSOLUTE WORST loan servicer possible, Specialize Loan Servicer aka SLS. Although I was paying on time, XXXX XXXX threaten to foreclose on my home. To keep from a foreclosure XXXX XXXX worked out a new 40 year loan payment program which SLS said they would honor. After just 1 payment SLS raised my payment by {$100.00} a month. They stated this was a escrow audit. This is a lie. I know because 1 ) the escrow department stated that they did not do and escrow assessment on my account and 2 ) My insurance actually went down 3 ) My taxes never changed. 

The biggest issue is my the $ XXXX dollars that was not applied to my account from XXXX XXXX was never transferred to SLS. To this day, my SLS account is showing a payment due of $ XXXX I strongly believe that Ive being scammed. At no time have I ever missed and agreed payment. While doing my research Both XXXX XXXX and SLS have a history of defrauding people with deceptive practices. 

Have have all records and many phone recordings to back up my claim. Is this something you can help me with or direct me to someone that can assist in this legal matter. Respectfully,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Resurgent/LVNV Funding Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX LVNV Funding, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX XXXX : Cease and Desist Request Regarding Account No. XXXX Dear Resurgent/LVNV Funding, This letter is to formally demand that you cease and desist all contact with me regarding the alleged debt associated with account number XXXX. I do not acknowledge or validate this debt, nor do I have any relationship or obligation to your organization. 

Your continued attempts to collect this debt through phone calls, letters, or other forms of communication constitute harassment under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I believe your actions infringe upon my rights and privacy, and I consider this behavior to be unwarranted and unjust. 

Pursuant to the FDCPA, 15 U.S. Code 1692c ( c ), I am requesting : 1. That you immediately stop all communications with me, including phone calls, letters, emails, or any other form of contact.

2. That you cease all reporting or involvement regarding this alleged debt to any credit reporting agencies, including removing any related entries from my credit report.

3. Confirmation in writing within 30 days that my request has been honored.

Failure to comply with this request will leave me with no option but to pursue all available remedies under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office, and potentially seeking legal action against your organization.

Please note that this is not a request for validation or verification of the debt. I am explicitly instructing you to cease all collection efforts and communications regarding this matter.

I expect written confirmation that you have honored this request within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  XXXX  CFPB :   XXXX   denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the  past five ( 5 ) ye ars.   XXXX    claims that I owe it over {$140.00} on my    XXXX     Visa Platinum C redit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX    alleges that it performed more than {$140.00} of Maintenance on my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.  XXXX  threatened to take away my  XXXX   XXXX  and the personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that   XXXX   remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my   XXXX    Visa Platinum Cre dit Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get  XXXX  to accept payment from my    XXXX    Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX    Visa Platinum Credit Card. And remove the negative   information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX
Product: Checking or savings account

My mother who is elderly ( 80 ) and I own a joint checking account with Bank of America. My mother was the victim of a check washing scam sometime between XXXX and XXXX of 2022 wherein a check written and mailed to a catalogue company was altered and cashed for an amount of approximately {$6100.00}. On or around XX/XX/2022 I noticed the fraud and immediately made a police report to the XXXX XXXX Police Department and contacted the Bank. On or around XX/XX/2022 my mother went into her local branch with a photocopy of the check and signed a notarized document reporting the fraud and requesting her funds to be returned. All of her claim paperwork was retained by the branch and was allegedly faxed. She was told these matters can take up to 90 days to resolve. On XX/XX/2022 she contacted the Bank fraud unit as was told they " never received her paperwork '' and nothing has been done on her claim. The Bank is now telling her she needs to go back into the branch and resubmit her claim. She was never contacted at any point by the Bank regarding the missing paperwork. No one picks up the phone at the local branch. My mother is in ill health and should not have to return to the bank to repeat this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the account. XXXX - XXXX XXXX XXXXXXXX Balance : {$0.00} If Experian and XXXX feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Viking Services representative XXXX called my business line at XXXX on XX/XX/2022 at approximately XXXX, looking for my daughter to collect a debt. I informed them that they are not supposed to contact the third party about an obligation of a consumer. The representative was rude, disrespectful and intimidating.
Product: Credit reporting or other personal consumer reports

This item was deleted and you reinserted them without notifying me 5 days after this account was in violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you