23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a homeowner with a mortgage with Shellpoint mortgage. I have been in forebearance and trying to get out. For the past month I have been submitting paperwork after paperwork and they say they didnt get it and resend etc. I was just served foreclosure papers and have a XX/XX/XXXX court date.

I was never told or sent information that we were at this level of foreclosure.I felt I was dragged along in the process and slow played as I have equity in the home.

I attached a letter to this file
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX on an account that shouldn't even be on my report from CapitalOne, due to the account in question first of all not being mine. There are 2 issues with this account, CapitalOne has no knowledge of the account information they reported to credit bureaus and after submitting a dispute with XXXX on XX/XX/2022, now 10 days later there is no record of my dispute submission. This seems to be an ongoing issue with XXXX as well, due to the fact that I have had many other issues ( some that required previous complaints with you agency ) with submitting complaints with them. What is the point of putting rules and laws in place if they aren't consistently upheld? I assume this is only meant for people not in affluence, or a place of power.
Product: Debt collection

In late XXXX, I received multiple phone calls from XXXX XXXX XXXX regarding overdue debt. On multiple occasions, I told XXXX that the person they are trying to reach is not me. I filed a complaint with CFPB ( XXXX ) due to the repeated phone calls I received. In XX/XX/XXXX, I received a letter at my home address from XXXX XXXX XXXX regarding overdue debt. This company continues to harass me despite being told multiple times and a formal complain CFPB complaint being filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to delete the account XXXX  XXXX XXXX, I tried to taken action against them and was not successful in anyway please help me delete this account from my Consumer report. 
I did not open this account. 

Name : XXXX  XXXX XXXX XXXX open : XX/XX/XXXX Amount ; {$410.00} Name : XXXX  Date Open : XX/XX/XXXX Amount : {$190.00} THESE ARE NOT MY ACCOUNTS
Product: Debt collection

I noticed an erroneous debt on my otherwise flawless credit report. The account was a {$130.00} debt from XXXX XXXX that was reported by a collection company called Eastern Account Systems. I have full insurance and pay out of pocket for all other medical expenses so I know that this debt was satisfied. I disputed it with all three credit reporting agencies and it was deleted from XXXX  but somehow was verified on XXXX XXXX and XXXX  So, on XX/XX/2020 I sent a certified letter to Eastern Account Systems asking for compliance with the Fair Debt Collection Practices ACT to validate this debt and show me proof that this is my debt, that I actually owe it and how they acquired my information. They signed for the certified letter but never responded with the required documentation, a signed contract, statements, detailed billing history in accordance with the FDCPA. So I sent another letter on XX/XX/2020 asking Eastern Account Systems why they did not respond to my validation demand and gave them another opportunity to send me the documentation required by law to legally report or collect this debt. I allowed them the 45 Days in accordance with the FDCPA and even waited an extra 60 days for a response because of COVID 19 and they never responded. The evidence is clear that they are in non compliance of the FDCPA and the Fair Credit Reporting ACT by reporting and verifying this information with the credit reporting agencies. This appears to be a predatory debt collection company that is operating illegally and not in accordance of State or Federal Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inquiries from my credit report since I have never authorized them. XXXX had removed these already but Equifax is still reporting these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX Ct, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with TRANS UNION, XXXX, XXXX they also have records of files that are wrong.
Product: Credit reporting or other personal consumer reports

Under the Fair credit reporting act section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. On this day of XX/XX/XXXX XXXX XXXX XXXX has violated the Fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

Around XX/XX/XXXX I noticed that Penn Credit was reporting and unpaid bill to my credit report. 1/ {$650.00} and 2/ {$2900.00}. I would like these collections to be removed because these balances does not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the inaccurate information present on my credit file reported by HYUNDAI CAPITAL AMERICA. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXX PL, XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Product: Money transfer, virtual currency, or money service

I am following up on Complaint ID XXXX. Bank of America called me on XX/XX/2020 and said that they were working on the case but as of today, I have not heard anything and no resolution has taken placed. On the other hand, it looks like Bank of America closed my complaint with your organization and I want to make sure that you reopen a case or create a new one on my behalf in order to log a resolution from them. I want them to returned my refund of {$7400.00} which was deposited to a wrong account and I never received the money nor have been able to have a closure on this matter. During this difficult time of Covid-19 a resolution on my behalf & my family 's behalf will be greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency XXXX terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request too pursuant to FCRA sub section 650B ( 15 USC sub section 1681c-2 ) that you Experian, the consumer reporting agency, block information appearing on my consumer report that is the result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> acct # XXXX and an auto loan account opened at XXXXXXXX XXXX  on XX/XX/year> acct # XXXX.
Product: Debt collection

Dear CFPB, I just got off the phone with AR Strat collection agency. They are demanding money from me saying that it is from old XXXX bills which my XXXX paid. THEY REFUSE TO SEND PROOF OF BILLS, just their bills saying that I owe them. 

Attached is a copy of the billing statement I received. I am very angry and frustrated that this type of corruption and thievery is allowed to happen. This is not a valid debt. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO OMY FRAUD ALERT : XXXX, REMOVE ANY OTHER NUMBER FROM MY FRAUD ALERT To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX Please update to the correct address XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER XXXX XXXX XXXX XXXX XXXX REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX - XXXX XX/XX/XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name an
d contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

Equifax has made their online verification system impossible to use to deny showing me my credit report. 

The phone based system intentionally makes it impossible to enter my street address. Also making it impossible for me to request my credit report.
Product: Credit reporting or other personal consumer reports

I am demanding the immediate removal of fraudulent accounts and incorrect information on my credit report. I am a victim of identity theft resulting from the Equifax data breach. You are legally obligated under the Fair Credit Reporting Act ( FCRA ) to maintain accurate records, and your failure to do so has caused substantial harm to my credit profile. 
Violations of the FCRA : 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) : The credit bureaus are required to block information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. Despite my compliance with these requirements, the fraudulent accounts remain on my credit report.

15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) : Credit bureaus must investigate disputes regarding inaccuracies within 30 days of receiving a dispute notice. The credit bureaus have either failed to conduct a proper investigation or have provided no resolution.

15 U.S.C. 1681e ( b ) ( Requirement to Ensure Maximum Possible Accuracy ) : The credit bureaus are obligated to maintain accurate information in credit reports. Reporting fraudulent accounts, despite being notified of identity theft, is a violation of this standard.The continued reporting of fraudulent accounts has caused significant harm to my financial well-being and reputation. These inaccuracies affect my ability to access credit, housing, and other essential services, placing undue stress and burden on me as an identity theft victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to know that I am a victim of identity theft. The XXXX credit Bureaus required to remove these inaccurate information that are not belongs to the owner but yet they haven't to do so. Since it is a requirements by law 605b of the FCRA, I'm sending my letter certified mail to help establish a legal course. If you choose to not remove the following inaccurate items, I will be handling my attorney to start legal actions against you. These fraudulent items I've mention should be delete as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Harris and Harris is harassing me and illegally obtained my information and placed me into collections without sending validation of debt. Harris and Harris is attempting to collect a debt not owed and hasn't validated the debt. I did not provide my information to Harris and Harris so they are illegally accessing my personal information and harassing me which goes against consumer rights per FTC, 15 U.S. Code 1692c, Under this Act ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. This does not comply with disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply however you have chosen not to meet the legal requirements of the law. Harris and Harris has no legal right or obligations to me and has illegally placed me in collections without providing original validation of debt and other instruments. This company needs to be investigated for illegally accessing SSN, Email Address, Phone Numbers, and other personal information without my permission. I hereby request cease and desist. As stated before this is illegal. Harris and Harris needs to provide me with copies of all documentation associated with the account and bearing either a court order to place this information on my credit report or my authorization of release bearing my original signature. To be in full compliance with the FCRA laws and guidelines all the information listed under public records needs to be immediately deleted Per the FCRA section 609 ( A ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report.
Product: Credit reporting or other personal consumer reports

A collection account listed under XXXX in the amount of {$310.00} is currently on credit report. I have no knowledge of such debt owed. My dispute is based on the fact that I have never received a legally required debt validation notice as required by the Fair Debt Collection Practices Act ( FDCPA ) Section 809, 15 U.S.C. 1692g. The FDCPA mandates that within five days of the initial communication with a consumer regarding a debt, a debt collector must send a written notice that includes : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement that the consumer has 30 days to dispute the debt 's validity in writing. 
A statement that, upon receiving a written dispute, the debt collector will obtain and provide verification of the debt. 
A statement that, if the consumer requests the name and address of the original creditor, the debt collector will provide that information upon request. 

I wish to inform you that I have not received such a debt validation notice via mail or electronically from the collection company or any other entity. As a consumer, I have the right to request and receive this information to verify the validity of the debt in question.