23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been paying our mortgage since XXXX when our payments resumed and the mortgage company ( Bancorpsouth ) which is changing its name to Cadence, has not processed our tax payments and our MUD district is threatening to turn off our service on XXXX XXXX. Our local school district are also imposing late penalties and fines and we've contacted the mortgage company and they are advising us to wait while they try to fix this but our time is running out. We've been on hold constantly and have been transferred XXXX times and this has been ongoing for a couple of weeks. 
Our water service is about to get turned off and we may have to pull money from our child 's college fund to try and cover all these back taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company equifax must remove the inquiries immediately. I didn't authorize these inquiries. XXXX 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
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$20.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$6200.00} XXXX XXXX ( Original Creditor : XXXX IXXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$20.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$6200.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a transaction of {$1000.00} was made on Wells Fargo XXXX app, my money was sent to Wells Fargo and was stated to be returned by Wells Fargo via the recipient. Wells Fargo has failed to return my funds as promised and has lost where my funds are currently being held. Wells Fargo has done nothing to track where the return of my funds are. Is there verification needed on my end is there a number to call to claim my lost funds? The funds were sent back from Wells Fargo recipient to Wells Fargo the sender and neither the recipient no sender has the funds. I need Wells Fargo to find out where my money vanished to, incoming from the return from the recipients account.
Product: Debt collection

Around XX/XX/XXXX, I received a letter from XXXX XXXX XXXX attempting to collect a debt that I owe to XXXX XXXX XXXX for {$400.00}. I was unfamiliar with this company and nor any debt that I was owed. I called the debt collection agency and Informed them that I was not this person they were looking for and to stop sending me letters. A couple of months pass and I received another letter with the same information and amount. I then saw the ability to respond by disputing the debt and checked this wasn't my debt and to send me more info about the debt that I was being accused that I owe. They responded and then sent copies of a bill around XX/XX/XXXX with more info about the company. The company was XXXX, which seems to be some XXXX  company. I've never interacted with this company and the address that was used was an address that I've never lived at nor have been too. I believe the XXXX account was made around XXXX. I don't know anyone who lives at this address. I called XXXX again and informed them that I'm certain that this isn't my debt and to stop sending me letters. I was informed that they would need a cease and desist faxed to them in order to stop the letters. I made the cease and desist and faxed it. Around XX/XX/XXXX I then received a debt collection letter from Credit Controll LLC attempting to collect the same debt that XXXX tried to collect. I assume they had sold this debt to another debt collection agency.
Product: Payday loan, title loan, or personal loan

In XXXX I received notice a new account repository my XXXX credit report. Upon revisit showed axcess financial and I was not familiar with this. I called the number provided they stated I had applied for a loan but they could not nor would not give me any other information. I asked if XXXX XXXX was also on account they confirmed but would not give anything else. I believe my ex-wife opened this account and had funds deposited into her XXXX XXXX Account without my knowledge. She previously did so with a company called loan me and they confirmed and immediately closed the fraudulent account.. this is not my account I never received any funds from this company. Please look into possible fraud actions by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX IS REPORTING A NEGATIVE ACCOUNT OF XXXX XXXX  ENDING IN XXXX THIS ACCOUNT AND BALANCE DO NOT TBLEONG TO ME REMOVAL LATTER FTC FRAUD IDENIRY THEFT DOCUMETNS ATTACHED FOR REMOVAL
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I pulled my consumer report and noticed that I.C SYSTEM, INC is furnishing negative information to the consumer reporting agencies. I am aware that as a consumer I have the RIGHT for my information to not be displayed. I also did not give permission for I.C SYSTEM INC to furnish any information on my reports. Also the timing of these payments reported are inaccurate and should not be displayed as past due or in collections. This is a direct violation under 15. U. S. Code 1666b. Please be advised that my consumer should be equitable to me at all times. I would like for I. C. SYSTEM, INC to cease all communication regarding this alleged debt. A Cease and desist letter is attached to this report. I also am exercising my rights refusing to pay this alleged debt that was parked on my consumer report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit 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 with a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$1900.00}
Product: Debt collection

IM, FIXING MY CREDIT, FROM THE MONTH OF XX/XX/2015, BY MY SELF, WHERE ONLY UNTIL THAT DAY HAD XXXX ACCOUNT IN COLLECTION WHICH PAY THE DAY IN XXXX XXXX THEM RETURN TO CHECK MY CREDIT XX/XX/XXXX, AND FIND AN ACCOUNT IS OLD READY REMOVED FROM MY CREDIT BECAUSE THIS ACCOUNT IT MORE THAN XXXX YEARS OF THE COLLECTION RJM ACQ LLC., OF THIS AMOUNT IS $ XXXX PUT AGAIN IN MY CREDIT AS IS WERE NEW WITH OTHER AGENCY CALLED XXXX XXXX I WOULD LIKE TO KNOW IS LEGAL OR NO. I WANT TO RESOLVE THIS PROBLEM AT SOON IS POSSIBLE THANK YOU I HOPE SOMEONE CAN HELP ME. THANK YOU AGAIN..
Product: Debt collection

This is a collection from an off campus student housing property that I did not move into due to no enrollment XXXX  semester XXXX  owned by XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Is the original creditor says my credit report. LTD Financial Services is the debt collection agency. I was sent to collections for {$10000.00}. I've never experienced this I'm XXXX XXXX XXXX. I did not know my rights until I read up on XXXX XXXX about my collection. 
The debt collection agency LTD financial services repeatedly calls me. The most recent calls on my call log include XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX. I have asked them several times to stop calling me. I was not offered any written correspondence from the LTD Financial Services. I ask that this collections and balance be removed from my credit report due to harassment and unprofessional tactics. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Please DELETE these inaccurate accounts and unauthorized inquiries in my credit report, and correct/update late payments on the accounts I was never late.
Product: Credit card

I had a Barclay 's card for many years I paid on time every single time never missed a single payment, my card was on auto pay so the the monthly payments where made automatically by the bank. 
XXXX XXXX XXXX has closed my account from one day to the other with out notice therefore my auto payment did not go through, I was in XXXX when all this happened as soon as i noticed the problem I immediate took action to correct it and i had added a other bank account so all is running smooth now, I am clearly not at fault on this issue. 
Please help me out thank you very much Happy new year
Product: Credit reporting, credit repair services, or other personal consumer reports

They wont show me original documents stating that I borrowed {$30000.00} from them. They wont show me no signature that I borrowed any money from them. XXXX XXXX XXXX account number XXXX. According to 15 USC 1681 602 a and 15 USC 1681 602 b and 15 USC 1681c section 5A. Remove this account from my credit report please and thank you.
Product: Money transfer, virtual currency, or money service

Transfer of XXXX dollars went through without my authorization, I chat with the chat box an then my account was closed and they say violation of the policy which they never say which XXXX or specific to the violation and never addressed my complaint plaint about missing money.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

About a year ago I received a letter saying that I had to go to court over a medical debt through Monterey Financial that I hadn't been able to pay in some time. I called the number and asked to make a deal to pay {$500.00} on the XXXX of each month and they agreed. The money started coming out on time. I needed to get a new card after having the number stolen and used all over the country. I had never received any communication from the people taking my money so I had no way to contact them. When the card was declined someone claiming to be, " XXXX XXXX, a compliance XXXX with the state of Virginia '' contacted me by phone and told me I was in non-compliance, and gave me a phone number to call. I called and corrected the card number, however no company name was ever given and they hung up abruptly. The money continued coming out as scheduled with the name " XXXX XXXX '' appearing on my statement with the number XXXX NC appearing after it. In XX/XX/XXXX I started trying to figure out who this company was and, after searching online, started seeing that it could be a scam. I contacted a law firm and they asked me to tell them the next time someone contacted me. I called the number coming up in my search for XXXX XXXX. It came up with a company who said they no longer had my account and gave me a different number. I called that number and they said they had never heard of me. I called the number on the statement and they gave me a different number where they were able to confirm the account, and how much I had left to pay. They said they did not send statements or any mail or email and would not. On XX/XX/XXXX I came up a couple dollars short so the card was declined. XXXX XXXX called me again, reminding me that I had spoken with him before. He gave me the number XXXX to call. I asked him the name of the company and he refused to tell me and said they would tell me. I called and someone answered saying, " This is XXXX. '' or a similar name. I said I had been given the number to call to correct an account. She took my name and we corrected the issue. I asked her what company this was and she said it was about the debt I had with the company. I said I understood but I needed to know the name of the company I was speaking with and she said, " XXXX. '' I reported the number and information to the lawyer who said it was connected to a spam number and I should contact the state 's attorney general.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/23 I sent a copy of my id and proof of address to chexsystems for a copy of my report and they have failed to send it to me. I sent another request on XX/XX/23 with the required information and they still have failed to provide me with my chexsystems report.
Product: Debt collection

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 
XXXX compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement : I the consumer XXXX XXXX XXXX have took it upon myself to grow my small business into a larger scale operation with corporate entities and to do so I must have respectable credit. In lue of my findings I have noticed two accounts that have been fradulent. I request in a timely manner this be released from my consumer credit report for it has become a great harm to my asperations of growing into the corporate business my family and I deserve. Thank you
Product: Credit reporting or other personal consumer reports

On or about Wednesday XX/XX/XXXX, I contacted debt collector XXXX regarding XXXX accounts XXXX XXXX  and XXXX XXXX  both charge off accounts that and XXXX purchased these accounts in XXXX however pursuant to the FCRA they are reporting opened in XXXX when they were actually opened XX/XX/XXXX and therefore XXXX FCRA rule should apply and these XXXX accounts should fall off or be deleted this year in XX/XX/XXXX however XXXX  is not the original creditor and bought tje debt as bad and therefore shouldn't be reporting to creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year I have continuously made several attempts to dispute inaccurate and unverifiable information on my credit report but have been met with no resolve time after time. The continuous egregious handling of my dispute request is illegal and can no longer be tolerated. I have sent several dispute requests via postal service, some via certified mail and notarized, only to be met with the same canned and form response letter. Again, the practice is illegal and is a direct violation of my rights under the FCRA. On several different occasions, have I been with the response verified as accurate without any proof of documentation from the original alleged creditor or proof via method of verification, despite innumerable request. Due to the aberrant behavior, I can no longer allow any further opportunities to resolve this matter patiently. It has been well over 30 days to correct this issue and I am now demanding the disputed items to be DELETED from my credit file immediately upon receipt of this notice. Any future delay tactic or improper response will be handled in court to the fullest extent of the law for such continuous direct violations. While I am not surprised, I am certainly disappointed to learn that you have chosen to state that you can not verify my identity when I in fact have sent proof of address, SSN, Driver 's License, Date of Birth and etc. several times. To provide relief for the incompetency, I will attach identification verification documents again with this complaint. Remove the disputed requested items from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a identity theft report to Experian several times once in XX/XX/XXXX and then again in XX/XX/XXXX asking them to block fraudulent items that were listed on my credit report. XXXX XXXX was blocked and removed but they allowed a different collection agency to place it back on there which that is against the law. Also the creditor XXXX  XXXX  is on there twice even after I sent the identity theft and Police report. I also informed that XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX  was fraud I sent them the identity theft report XX/XX/XXXX and instead of them blocking it they disputed it which according to the FCRA if I provide that information they have to block it from the credit report. The person who stole my identity has all my information and it is unfair how experian is handling things. My next step will be to sue but I rather just have this corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is stating that they are verifying/researching information about a bankruptcy to XXXX services ( please see attached where XXXX shows verified as accurate ). It is impossible to verify the information as the bankruptcy court does not verify the information ( see attached letter from bankruptcy court ). They are pulling there " verified '' from public records which have errors and can not be verified in this situation ( please see the attached letter from LCI ). Per the fair credit reporting act all information has to be able to be verified or needs to be removed from there system. Since they provide the information to XXXX and are certifying that it is correct, this is a breach of the reporting act and a blatant lie. This is not the first time they have been caught. Refer to cases : Legrand v. IntelliCorp Records , Inc., No. 15-cv-2091 ( N.D. Ohio ) - an FCRA class action Roe v. IntelliCorp Records , Inc. , 12-cv-2288 ( N.D. Ohio ) - an action alleging violations of FCRA sections 1681k and 1681 ( e ) ( b ) Also please see attached from XXXX XXXX that they removed said bankruptcy as they are unable to verify that it is correct on the public records