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

I recently tried to pull my credit information XXXX XXXX and it stated that another names an email was connected to my identity when that is fraud because I am the true person. I was unable to pull my credit report from TransUnion XXXX  an XXXX  to check my personal credit because someone is using my credit as me. I am requesting that I have access to my credit reports and to XXXX XXXX, and to have access to use my own report which is law. And if there are any accounts open active and present that they should be closed because they are fraud. Any accounts on there need to be investigated and deleted from my credit record within 30 days I am disputing that this must be removed from my credit report if anything is reporting items and I need all debts to be validated through the Constitutional collection activity I have never used my credit and I have put myself in the system of opt-in and opt-out and I've also provided below proof of Fraud and a in a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i am a consumer and disputed some accounts on my credit report that seemed to be inaccurate to me and after the investigation back from EXPERIAN there still are inaccurate reporting. EXPERIAN verified and updated my consumer profile inaccurate but they said everything is 100 % complete and accurate. I disagree with that so I DEMAND the description of investigation according to 15 USC 1681 ( 7 ). 



This account below is inaccurate from the... 

OPENED DATE ACCORDING TO CONTRACT FROM XXXX XXXX XX/XX/2021 EXPERIAN HAVE REPORTED XX/XX/2021 ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) HIGHEST BALANCE ACCORDING TO CONTRACT FROM XXXX XXXX {$17000.00} EXPERIAN BALANCE HAVE REPORTED AS {$15000.00} ( INACCUARTE/FALSE REPORTING ACCORDING TO FCRA ) DEFICENCY BALANCE ACCORDING TO XXXX XXXX {$54.00} ( WHICH WAS ALSO REPORTED LAST MONTH AS PAID OFF ) EXPERIAN DEFICENCY BALANCE IS {$5000.00} ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) Account name : XXXX XXXX XXXX XXXX XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 16811 ( 5 ) ( A ) ( i ). Also, this is no longer a time to reinvestigate as i have given proper time and notice according to the fcra now I demand you delete this account from my consumer profile. 



Attached is all documents and reports regarding this dispute. 

Original Contract from XXXX XXXX, Updated Credit File with proof off false reporting and inaccuracies from EXPERIAN
Product: Payday loan, title loan, personal loan, or advance loan

That on XX/XX/XXXX XXXX XXXX  I sent a written notice to Upgrade Inc opting out of credit reporting. Upgrade Inc has yet to respond to my demand.
Product: Debt collection

Dear Sir/Madam, I am writing to formally lodge a complaint against First Credit Services regarding a potentially unlawful debt collection practice that has affected my credit report and personal financial standing. I recently reviewed my credit report and discovered that First Credit Services has placed a collection account on my file ( account number XXXX ), which I believe violates my consumer rights as stipulated under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

To my knowledge, I have never received any communication or notification regarding this alleged debt, nor was I given an opportunity to dispute or verify its validity. This lack of communication is a breach of my rights to be informed and to respond accordingly.

In accordance with the FDCPA, I hereby request that First Credit Services provide proof of the following : 1. Any documentation that confirms my liability for the debt in question.

2. A detailed statement of the amount owed.

3. The original creditor 's information.

4. Proof of any notice of debt sent to me, including a certified receipt bearing my signature as proof of delivery.

Furthermore, I request the immediate removal of this account from my credit report as it was reported without verifying its accuracy, which is a direct violation of the FCRA.

I have also taken the liberty to attach copies of the credit report pages that show the unauthorized entry by First Credit Services. I expect a prompt response to this complaint and a swift resolution to the issues mentioned above.

Please let me know if further information is needed on my part. You may contact me through my phone number or email address provided above. I appreciate your attention to this urgent matter and look forward to the resolution of my complaint. 

Thank you for your assistance. 

Yours sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never recieved any response from the bureaus. PLEASE BEEN DISPUTING THIS ACCOUNTS AND INQUIRIES SEVERAL TIME. I DID'NT RECIEVED ANY RESPONSE FROM YOU. PLEASE MAKE AN ACTION IN THIS CASE NOW! OR ELSE I WILL FILE A LITIGATION. HERE 'S THE LIST XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$2300.00} XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX  XXXX XXXX : {$560.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$520.00}
Product: Debt collection

Complaint, XXXX and XXXX to Caliber Home Loan, inc and servicer XXXX XXXX XXXX who conducted escrow reviews for my property All questions below are based on my research and official responses from HUDXXXX XXXX who has no records about Calibers servicing activities and responses to my FOIA requests by USPS who disclosed real identities of the mailers who used Calibers letterheads On XX/XX/XXXX my alleged Lender XXXXXXXX XXXX XXXX XXXX transferred allonge to my Note to Caliber Home Loan Caliber On XX/XX/XXXX law firm XXXXXXXX XXXX XXXXXXXX forwarded me from unidentified sources a new, undated allonge to my Note from some Loan Seller to Caliber, which appeared for the first time Please disclose full name and contact information ( full mailing address, phone, fax and email ) of the Seller for loan XXXX and the name of its individual employee who was handling this sale. 

Please disclose the name of the buyer of loan XXXX, its full contact information and the name of this buyer individual employee who was responsible for purchase of my loan Please disclose the date of sale of my loan Please disclose the place of sale of my loan Please disclose the amount paid for my loan by the buyer, in XXXX XXXX XXXX Please provide me a copy of receipt for this sale such as wire transfer, cancelled check, ACH Please provide me a copy of the accounting ledger where my loan was recorded as an asset after this purchase Please provide me the place and the name of custodian for my original promissory note between XX/XX/XXXX through XX/XX/XXXX Please confirm that during all time in question, Caliber claims to be a Holder in due course for my note because Caliber paid for my Note and Mortgage On or about XX/XX/XXXX I received a letter mailed to me by XXXX XXXX XXXX XXXX XXXX  informing me about transfer of servicing to Caliber Please explain who authorizedXXXX XXXX XXXX  to send me this letter of servicing transfer During all time in question ( XXXX XXXX XXXX ) all my payments were collected by XXXX XXXX XXXX XXXX, XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please explain why XXXX XXXX collected my payments if Caliber claimed to be a servicer for my loan. Please disclose who authorized XXXX to collect my payments, and the name of an individual who authorized XXXX During all time in question my property taxes were paid by XXXX. 

Please explain why XXXX paid my property taxes if Caliber claims to be a servicer. Please disclose who authorized XXXX to pay my property taxes and the name of an individual who authorized them During all time in question my escrow reviews were conducted by XXXX XXXX XXXX Please explain why XXXXXXXX XXXX XXXX conducted escrow reviews for my account if Caliber claims to be a servicer Please disclose the name of individual at Caluber who was responsible for escrow reviews and who authorized XXXX XXXX XXXX to conduct these reviews I reserve my right to request more disclosures after Caliber and XXXX respond to my XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the ongoing issue with my credit report. I have made numerous attempts to correct an inaccurately reported late open account on my credit file without any resolution. The persistence of this issue is adversely affecting my financial well-being and credibility.

I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is in no way accurate or reflective of my financial history. The account in question has caused my credit score to decrease, impacting my ability to secure loans, obtain favorable interest rates, and ultimately, hindering my financial goals.

I have attached the following supporting documentation for your review : Copies of correspondence and dispute letters previously submitted to your bureau.

Proof of the error on my credit report, including any relevant documentation or statements that refute the late open account.

Any evidence of my timely payments or other financial history that should accurately represent my creditworthiness.

Despite my consistent efforts to resolve this matter, the late open account remains on my credit report, causing me ongoing distress and financial setbacks. I am deeply concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services.

I kindly request an immediate and thorough investigation into this matter. I urge you to correct the inaccuracies on my credit report by removing the late open account and ensuring that my credit history is accurately portrayed.

Furthermore, please provide me with written confirmation of the resolution and any steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute. 

Failure to take appropriate action within the stipulated time frame will compel me to pursue legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to correct the late open account in my credit file : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$29000.00}.
Product: Mortgage

This is a secondary complaint to # XXXX that was somehow closed before the problem was actually resolved. ( Freedom Mortgage failed to show up for the scheduled closing on XX/XX/XXXX. ) Freedom Mortgage again failed to show up for the rescheduled closing on XX/XX/2021, at XXXX XXXX EDT. Now we will have make yet another payment on the current loan while we await Freedom Mortgage 's response. This is absolutely no way to treat a military family.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries were placed on my credit report on the below dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't late remarks on this account but in Payment status says I am 90 Days late which is not true. 
JPMCB HOME -- 90 days late
Product: Debt collection

DEBT COLLECTOR WAS PAID IN FULL/ ARS WAS NOT IN COMPLIANCE ' INSURANCE COMPANY, PAID DEBT IN FULL AND SHOWED PROOF OF PAYMENT. 
FROM ( CFPB ) DOCUMENTS SCANNED IN.
Product: Debt collection

well my Identity was Stolen back in XXXX, this company over the years has garnished my checks and now they have a levy on my bank account they were sold to different companies over the years and they took the amount owed multiple times for a debt that I don't even owe because I don't have an account with this company the company that started this was asset acception or something like that then convergence receivables and now they go by Alco Capital LLC they took over the years at least {$4500.00} from me and are still collecting a debt that I never owed them in the first place because my Identity was Stolen and I have letters and documentation stating this I even have a Letter from the IRS stating my Identity was Stolen and they will not leave me alone and this debt has been paid even though it wasn't mine they garnished wages and have my bank account locked and just want them stopped this has gone on for way too long and I feel they need to repay what they stole from me on this matter and unlock my bank account
Product: Credit card

My identity was stolen And some one made Fraudulent Bank Accounts And Also Applied for Credit cards And Instore credit cards in my name without my permission I contacted law enforcement and also the credit Bureaus explaining this and Now this is my last hope for this issue to be resolved please help me
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX  XXXX, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion should not be reporting a collection in the amount of {$5600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am negotiating a settlement with XXXX and therefore XXXX XXXX should not be reporting this account. I have attached documentation for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

They call me all night and all day its so annoying!!!!!!! Midland credit?? What is that? I dont owe them NOTHING! Leave me alone!
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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

I have been a victim of fraud for since 2008. Im a XXXX XXXX XXXX XXXX. I served XXXX wars for my country. While XXXX my identity was stolen. Ive written XXXX, XXXX, and XXXX XXXX several times about fraudulent inquiries and fraudulent accounts. Ive disputed these items for years. They still appear on my credit file and its impacting me to be able to get a home and other credit. Please assist. 
The accounts are as follow : XXXX XXXX, XXXX XXXX, XXXX XXXX, which are all paid in full even though theyre fraudulent accounts. Exeter Finance which is a loan I never opened. And over 20 inquiries which theyre shouldnt be none. Please help me. Sincerely, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.
Product: Mortgage

My original mortgage company XXXX XXXX sold my loan to Select Portfolio Services. When my loan was transferred, the original loan date was changed. I bought the home in XXXX and it now shows that I didn't purchase it until XXXX. My original mortgage was {$58000.00}, but over XXXX years later I still owe {$74000.00}. My mortgage should have been pay off, Select Portfolio Services still claims that I still owe money. I have tried to communicate with them about the error, and even proved original mortgage information. They told me to keep making mortgage payments or deal with foreclosure, they made it so I can't take equity to fix my house. -Please any help with mortgage would be greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. XXXX increased my student loan payments from {$60000.00} to XXXX  XXXX with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family. 8. I am a XXXX  veteran that is requesting full forgiveness or discharge of all of the reported student debt.
Product: Credit card

I had a credit card with First Progress Credit for several years. When I opened the account it was a secured account so I had to send in a paper check deposit for the amount I wanted as my credit balance, I sent in {$750.00} plus fees and received from them a {$750.00} credit card. I maintained this credit card for several years with a positive balance and in XXXX of XXXX, I closed the account and was told I would receive my deposit refund within 10 business days. After that time elapsed and I had not received my refund I contacted the company who went on to tell me I had just faxed in a letter to their correspondence team and it would be resent, I was later told I must wait 30 days for this team to receive and process my request. Furthermore, I was assured a new check would be sent out. Still, 3 months later I have not received my refund and can not get any further resolution from the company other than for them to reconfirm my address and tell me it must be coming in the mail, but it never does. My family had a plan for that {$750.00} that could not be fulfilled and we were still waiting to receive our money and really need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act account XXXX has violated my rights.. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT OF PRIVACY..

15 U.S.C 1681 SECTION 604 A SECTION 2 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Everytime I purchase something it tells me I have enough funds yet I dont. Charges take days just to post and in the end sometimes I believe I am charged twice.
Product: Credit reporting or other personal consumer reports

I am trying to cancel the membership with Experian who only permit you to do so if you pay. Never have I ever seen such. I do not use the platform as I have no credit card or credit score. Utterly frustrating and nonsense from Experian.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 I initiaited an international wire transfer from my business account in Chase Bank, to another business account, another bank located in XXXX. 

On XXXX XXXXXX/XX/2024 - I got a notice from Chase Bank that they sent the transfer, but the money is being held in XXXX XXXX XXXX XXXXXXXX for sanctions review. They asked for information of the recipient and I provided all the information that they required. The recipient is a business that is owned by my wife, and there is no business connection with any country on the XXXX list. 

Today is XX/XX/2024, and the money is still held in the XXXX XXXX XXXX XXXXXXXX with no update from them. I have contacted Chase Bank about 4 times, and they do not have any update from XXXX XXXX XXXX XXXX.
Product: Debt collection

This company has reported to credit bureaus that I have agreed to pay the the collection in one month which is false and has hurt my debt to income ratio and score.