23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Name XXXX XXXX XXXX  Account Number : XXXX - Account Name XXXX XXXX XXXX  Account Number : XXXX - Account Name XXXX XXXX XXXX  Account Number : XXXX - Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX -- - Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX -- Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud. Per The Florida Department of Economic Opportunity in addition to alerts/notifications from XXXX, I have been advised that my identity has been compromised several times, sold on the XXXX  market and used to obtain unemployment compensation. It has been used to open the fraudulent credit card account with XXXX XXXX have disputed this account numerous times with Experian. In XX/XX/2021, I contacted them by phone and they agreed to delete the account but failed to comply. Experian has repeatedly refused to take this matter seriously and not only investigate this fraudulent account but provide their method of verification. Due to their inability to validate this account, I have demanded for it to be deleted from my credit profile but Experian has only updated the accounts without disclosing their findings. This is a direct violation of my FCRA consumer rights as well as unlawful practices. Please investigate this matter to see why Experian is being non-compliant and operating unlawfully. I have provided them with credible supporting documentation that proves that I am indeed a victim of identity theft but they refuse to comply with FCRA guidelines. Please help.
Product: Student loan

On XXXX XXXX 2015, A Navient representative called me on my cell, stating that he would finally be able to grant an affordable loan agreement for me. He identified himself as a supervisor, and told me we would be able to resolve my issue that day. To my surprise, this was the start of a financial scam I am certain was geared to diminish credit, confine me to a loan delinquent status, and secretly place me in a corrupt program that is designed to keep people in the dark about their loan status until it 's too late. Please see attached documents for my full case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the bureaus several time about inaccurate information reporting on my consumer report. yet ive never received any response nor up date
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft issue and discrepancies on my credit report on my credit report. I have recently discovered that my personal information has been compromised leading to fraudulent activities on my credit report/accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on file. I seek your assistance in further investigating and resolving these matters. I have attached my FTC identity theft report, passport and utility bill for verification. Please advise on the next steps to rectify
Product: Debt collection

In XXXX 2015, I vacated XXXX in XXXX, Georgia. I thought I could work virtually in XXXX, GA where many family members reside. However, with the re-organization of the Department of Veterans Affairs, management advised that it would be best to work in Michigan. Rather than place my 20 year Government career in jeopardy, I returned to Michigan. 

I provided XXXX with the requisite 60 day notice of my impending move back to Michigan. I also requested if they could extend the change of duty clause they have for military personnel to U.S. Government workers. This clause allows for the military personnel to leave the lease early if they have a change of duty. The Manager at XXXX XXXX initially told me that Yes the clause covers U.S. Government workers. 

Just a few days before my move in XXXX 2015, I received notification from XXXX XXXX XXXX Tenant Relations, XXXX managing office, that only military are allowed to leave the lease early! As such, they said I owed {$2200.00}. 

To make matters worse, XXXX has added my {$200.00} security deposit to the debt in lieu of deducting it! I have asked for a payment plan for a reduced amount based upon the circumstances and removal of this collection from my credit report. Yet, XXXX referred me to their Collections Agent, IQ Data International. IQ Data International has referred me back to XXXX for any type of Payment Plan! In the meantime, my credit is ruined by this collection and I can not purchase a home. XXXX has also added interest charges and damages to the amount owed. There were no damages to the property. This is clearly an attempt to ruin my credit and falsify records!
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a police report and a FTC report for identity theft. Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX   XXXX XXXX  # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion fail to reply to my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report was missed, leading on one of my secure credit account. I had request several time to fixed the credit report on my secure credit card for late payment and had never fixed as of today and asked how long this late payment report will stay on my credit report can not give me and clear answer yet. It was {$80.00} was late payment on my {$500.00} secure card bock in 2019 XXXX due to this my credit report indicates late payments. During opening the account at the WF branch had never explain that clearly in this matter.
Product: Debt collection

The company that 's handling this specific debt, AR Resources, says that I owe money on XXXX different accounts with them. Upon the evaluation of my XXXX credit report, I found out that they 've still continued to list this debt TWICE, and have never corrected the issue. XXXX account was listed since XXXX XXXX, and the other since XXXX XXXX. To date, they 've never come forward to explain themselves and their error in judgement. This may have caused my credit to be rated more poorly, as well as other related issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt on my credit report from walmart synchrony bank that is supposed to be showing as a 0 balance past due and it is not. Furthermore in Oregon the statue of limitations is 6 years. It is past 6 years and this account is still reflecting negatively on my credit report from Walmart/Synchrony bank . I need this account removed asap as I am no longer legally responsible for it. The credit reporting agencies are not disputing this accurately.
Product: Debt collection

The debt was charged off as a profit and loss cross collateralizion of home equity line of credit and a credit card in 2008. XXXX XXXX XXXX XXXX hired the firm of Mark Kirosky to file a judgment. The debt originated when I lived in XXXX. I was sued after I moved to XXXX. I have been a XXXX residents for 7 years and the law office of Mark Kirosky continues to send writ of garnishments to all of my employers. Every employer has interpretated the withholding in XXXX differently based on whether or not they have offices in XXXX. Even though I live and work in XXXX. XXXX XXXX allowed my wages to be garnished. However XXXX XXXX XXXX has not. My company got bought out by XXXX XXXX XXXX based out of XXXX. However I still work and live in XXXX. I spoke to my new HR admin about my situation and she is researching on whether my wages can be garnished or not. However XXXX law prohibits this practice. But my employer may not want to be involved in this matter and take the path of least resistance and allow the garnishment. 
Also Mark Kirkorsky office pulls my credit every 60 days. They continue to re-age my debt even though I have made no contact or any payments. They have been unscrupulous and send legal documents monthly. They do not have the right to garnish my wages in XXXX for an unsecured consumer debt. They can not falsely report payments and delinquent payments to re-age my debt with credit reporting agencies.
Product: Student loan

I was struggling to find XXXX XXXX XXXX XXXX XXXX My dads ex-wife opened a loan for XXXX under Sallie Mae without my consent. She used mine and my grandmothers SSN without permission.
Product: Credit reporting or other personal consumer reports

Hello I have tried getting this issue resolved on multiple occasions which it seem like you guys refuse to remove this account. This account is related to identity theft I have been notified by the military data breach and also XXXX police department where you guys can call the didn't notify me the name of the individual as they kept that confidential, please im begging you to reach out to them to get this issue resolved as this account is not mines and it is hindering me from buying my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the three consumer reporting agencies, XXXX, Transunion, and XXXX  and let them know I am a victim of the XXXX  data breach and my social security number was compromised. I am a victim of Identity theft. I didn't know at first so I only did the Identity theft affidavit. I got some letters from them saying that they couldn't block the information because I didn't provide an Identity theft Report. So I filed an Identity theft Report and sent one in certified and didn't get any response from them. This is not fair. There taking advantage of the law. I don't deserve this. How am I truly and identity theft victim and they choose not to help me. This is extremely unfair. I don't feel protected. I feel defamation of my character. My intent is to sue if Consumer Financial Protection Bureau can't help me. I have proof that they have my Identity theft affidavit on file so I will upload proof of that along with my Identity theft report, the notarized letters I sent them, My ID, My utility bill and that should be more than enough information for them to remove the accounts. No consent is Identity theft.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED AN FRAUDULENT INQUIRY THAT DO NOT BELONG TO ME. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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 an 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 plan as late for any purpose.
Product: Mortgage

Dear CFPB, On XX/XX/XXXX, I was approved by my Loan Servicer, Wells Fargo Home Mortgage, for a permanent loan modification. Unfortunately, my spouse, who is not on the loan, refused to sign the documents. I tried to save my home through XXXX XXXX Bankruptcy, but the combined payments were too much for me. My home was scheduled for Sheriff 's Sale on XX/XX/XXXX. When I reached out to Wells Fargo prior to the sale date, I was told that there were not any options available for a workout. A couple of days later, I was told that if I could stop the sale, XXXX would reevaluate my loan. I filed an emergency motion with county court and the judge granted the stay until XX/XX/XXXX. I am also working with the non-profit organization XXXX to assist me in these negotiations. Wells Fargo told XXXX that I have a lien on my home that was an issue with the modification last XX/XX/XXXX. The only issue at that time was not being able to obtain my spouse 's signature. Now it appears that XXXX is using the lien as an excuse not to assist me. I have the modification documents and the lien is not mentioned on there, nor is it from any correspondence from my Wells Fargo Home Preservationist. I simply want Wells Fargo to honor my modification, as I am in the process of divorce as well as negotiating the lien on my property. At the very least, give me a reasonable amount of time to clear up the lien.
Product: Debt collection

This company failed to provide me with a truly executed copy of my loan paperwork for all 15 loans I have with their office. They provided me with only 1 copy that has a typed signature on the document. I requested the documents with my original wet signature on them. 

In addition, per the terms of the contract provided in the prior complaint ( ID : XXXX ) with this company filed in XX/XX/2018, the loan was not accelerated and considered to be in default until it has been 270 days delinquent. This company responded and stated the loan was 90-92 days delinquent. This company falsely reported this information to the credit reporting agencies, which is against Texas Finance Code 392 and FCRA. 

Per the document they provided in the previous complaint : The following events will constitute a default on my loan : ( 1 ) I do not pay the entire unpaid balance of the loan after XXXX has exercised its option under items ( 1 ), ( 2 ), and ( 3 ) in the preceding paragraph ; ( 2 ) I do not make installment payments when due, provided my failure has persisted for at least 270 days ; or ( 3 ) I do not comply with other terms of the loan, and XXXX reasonably concludes that I no longer intend to honor my repayment obligation. If I default, XXXX may capitalize all the outstanding interest into a new principal balance, and collection costs will become immediately due and payable.
Product: Credit reporting or other personal consumer reports

My credit report is riddled with alarming inaccuracies, including incorrect names, addresses, employers and unauthorized inquiries. It is imperative to urgently rectify this fraudulent information. Despite my relentless efforts to ensure data accuracy, I've faced a disconcerting lack of cooperation from the organizations tasked with providing lawful information. I am compelled to seek assistance from a higher authority. Your immediate attention to this matter is urgently needed and highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XXXX/XXXX/2017 I was contacted by someone ( XXXX ) claiming to be looking for an individual. When I explained that I can not release information about an employee to outside people for personal work matters the person became hostile asking for our HR department. I informed them that I can not transfer him to HR for this matter he made a snide remark and hung up on me. 

I then called the number back to find out that this was the Cash One Legal department
Product: Mortgage

Had a 1st Mortgage with Wells Fargo and a Line of Credit. My home went into Foreclosure. I tried to modify the Mortgage twice and never got a response. On the Third Modification it was denied, and I appealed and still nothing. I spent hundreds of dollars on Attorneys. In XXXX my mortgage got Sold to XXXX and then to XXXX XXXX. My Home flooded in XXXX and due to conditions and good attorneys my foreclosure got delayed. In XXXX I was able to sell my home and satisfied both Loans. I have contacted Wells Fargo trying to recoup some of my expenses and fees and they don't even have me on their system. I don't know what to do. They miss handled my case and took advantage of my situation in every way possible. Need guidance as to what to do. 
My loan number for the 1st Mtg. XXXX My Loan number for the Line of Credit XXXX My home address was XXXX XXXX XXXX XXXX XXXX, Fl XXXX On the Credit Line when Wells Fargo sell the mortgage to XXXX they started to Force place Insurance when there was Force place Insurance already by Wells Fargo and when Sold XXXX placed XXXX XXXX Insurance as well. Attached is the Pay Off letter showing all the fees which I paid at Closing. 

On the 1st Mortgage side I am attaching all fees which where placed at Closing. Document is from Attorney representing Bank. and they got every penny.
Product: Credit card

I made two purchases from Best Buy totaling {$1600.00} and was supposed to receive both XX/XX/2023. I was not home and had instructed delivery drivers to leave my package on the side porch. I had received delivery photos and instantly started heading home since they left them on my front porch. By the time I got home ( about 30 minutes-1 hour after delivery ) my packages were not on my front porch. I had checked with all surrounding neighbors to see if they received my packages or seen anybody around my house and they all said no. I called Best Buy soon after and explained my situation and they had told me they could refund my money, or send me a replacement. I asked for my money back so I could go in store to purchase instead and they agreed. I was told to wait about 7 days for the funds to be returned back. I called every 3-7 days for the next month and was always told to wait because the money was coming back but it never did and they just kept pushing it farther and farther. I made a police report in XXXX after being ran around by this company for months and being told they can not do anything for me. Police officers told me there is not much they can do because it has been months. I had called and tried to dispute both charges twice and was told that the people I was talking to probably did not understand my situation and should not have told me I could get a replacement or my money back. Best Buy had also told me they had made claims with XXXX  ( the delivery company ), but I had called XXXX  to see if I could open my own claim and I was not able to since I was not the ones that sent the package. XXXX also had absolutely no record of any claims being made from Best Buy regarding my packages, which was extremely frustrating as I had been calling Best Buy 2x a week for months to check on my refund and I had made countless claims. Now I am being charged interest on my account as well and the purchases combined are now {$1600.00}. 
I had called them 12 times between XX/XX/2023 and XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX is wrongfully reporting late payments on my credit report for this lease agreement. I paid off the lease from XXXX as agreed with NO lates EVER. In addition I have paid off the lease extension for XXXX. After XX/XX/2018 THERE WAS NO NEW LEASE OR LEASE EXTENSION AGREEMENT, THUS NO CONTRACTUAL OBLIGATION FROM ME TO PAY THEM. XXXX had scheduled to pick up the car but was late by several weeks on completing their task .... This is NOT my error, I DID not agree to keep the car I did NOT agree to extend the lease I did NOT have obligations to pay. 

I have complained before with no avail from XXXX XXXX. No I'm filing my complaint with you again, and preparing my complaint with DA 's office and for FTC. I will go as far as I need to stop this abuse of consumer trust and this has ruined my credit and cause great financial hard to my credit report. I have summed up my financial damages for their error and will seek justice!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping auto insurance and XXXX told me that there was a accident claim on my report. They gave me the company information and I went to the company website to ask for a copy of this report and 45 days later I receive a letter in the mail that instructs me to go to a link on their website and enter a code. I did this and the link does not work. I want a copy of this report.