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

On XX/XX/2023, I mailed a letter certified asking the credit bureau to delete all inaccurate personal information reporting on my report. I called each of them and was advised that they would update information and inaccurate information would be removed. I received a copy of my credit report, and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. However, the inaccurate information is still reporting. I have sent out yet another letter with verifying information to XXXX, Transunion, and XXXX to be updated immediately. Tracking number of letter XXXX, XXXX, XXXX. There should not be any aliases, unknown names, inaccurate addresses, nor inaccurate employment. In accordance with the Fair Credit Reporting act. 

The List of inaccurate names addresses, and employment attached in attachment has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 The credit Bureaus are still ignoring my request.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Demand for Arbitration Dear XXXX XXXX, I am writing to formally demand arbitration pursuant to the binding arbitration agreement contained within the Cardmember Agreement The Cardmember Agreement clearly states that " in the event of a dispute between you and us arising out of or relating to this Account or the relationships resulting from this Account or any other dispute, either you or we may choose to resolve the Claim by binding arbitration, as described below, instead of in court. '' As I have a dispute with XXXX regarding my account, I am hereby exercising my contractual right to resolve this matter through binding arbitration. 

The agreement further provides that the arbitration will be conducted by the XXXX XXXX XXXX XXXX XXXX ) in accordance with their applicable rules and procedures. It also states that XXXX is obligated to advance any arbitration costs and fees on my behalf if I am unable to afford them and can not obtain a waiver from the XXXX. 

By including this clear and unambiguous arbitration provision in the Cardmember Agreement, XXXX has contractually bound itself to honor my demand to resolve our dispute through arbitration. XXXX does not have the option to deny or ignore this binding arbitration clause. 

I hereby request that XXXX XXXX  take all necessary steps to immediately initiate the arbitration process with the XXXX regarding any and all disputes or claims I have in connection with my XXXX XXXX  account. Please provide me with any required forms, instructions or other information I may need to properly file for and commence the arbitration proceedings. 

If XXXX Bank fails to initiate the arbitration process within 30 days of receipt of this letter, I will have no choice but to directly file for arbitration with the XXXX myself. I will then demand that XXXX comply with the agreement and participate in the arbitration. Any further delay or refusal by XXXX to honor the arbitration clause may result in additional legal action. 

I look forward to XXXX XXXX XXXX prompt compliance with this demand and the initiation of the arbitration process. If you have any questions or require any additional information from me, please do not hesitate to contact me. 

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

In accordance with the Fair Credit Reporting acXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE NOT MINE THESE ACCOUNTS ARE FRAUD. 

XXXX, XXXXXXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX
Product: Debt collection

DISCOVER BANK WAS PIUD AND IT WAS SUPPOSED TO BE DELETED OFF MY CREDIT REPORT PLEASE REMOVE ITS SHOWING A BALANCE I DONT OWE
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission also to the XXXX XXXX police department please review the enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I am a victim of identity theft dating back to XX/XX/XXXX, my wallet was lost, in it were my ID, and social card. This company name Avant Inc, Acct # XXXX .... out of XXXX, let someone get a fraudulent loan in my name for {$3300.00} in XX/XX/XXXX. I went to my local police when I saw it on my credit report. They told me since I could n't prove it happened in their jurisdiction, they could n't issue me a report, there was nothing they could do. They told me to contact the credit bureaus and have them take care of it. So thats what I did. I have disputed this information until I am blue in the face. The credit bureaus wo n't remove this account. 

XX/XX/XXXX I contacted Avant Inc directly by mail. I told them this was a fraudulent account, I asked them to send me copies of the loan agreement contract, so I can compare the signatures. As I know it would n't be mine. They never sent me anything. Of course they going say they did n't receive the letter. So I disputed the account again and it was n't removed. 

So XX/XX/XXXX, I wrote them again and again asked for them to send me copies of the loan agreement contract, so I can compare the signatures. Of course they going to say they did n't receive this letter either. I also spoke to a lawyer, that told me that once, I get the the loan agreement contract, do a notarized affidavit of forgery, and send back with the loan contract signature, and that would be enough proof to show I did n't take out a loan or sign the loan papers, and the company would remove the account from my credit report within 30 days. The lawyer said it was simple business contract law. The signatures do n't match, so the fraudulent contract would be invalid and I would be released from liability, because I did n't opened the account. 

Today is XX/XX/XXXX and Avant Inc, still has not replied to any of the letters and never sent me any loan agreement contract, with my signature. They have not sent me anything. 

How can this company, place a fraudulent account on my credit report? I requested documentation on 2 occasions, they will not send it. This is the 7th month since requesting copies of the loan agreement contract. 

They will not respond, because these documents do not exist. They try to take advantage of the little person, because they are a big multi national corporation. I want this account removed from my credit reports. Please help.
Product: Debt collection

On XXXX/XXXX/XXXX I had my bureau information pulled to complete a motorcycle loan. They informed me of a collection account that was added to my XXXX bureau XX/XX/XXXX. On Monday XXXX/XXXX/XXXX I pulled my Free Credit bureau from XXXX and noted that I did have a new unpaid collection from XX/XX/XXXX on my bureau from National Recovery. I needed to get this collection account removed in order to get the best rate on my motorcycle loan. I called the number listed on the collection and they were not able to find a collection in my name. They informed me to contact XXXX to obtain the full account number. I contacted XXXX and entered a formal dispute for this item and indicated I had not received any written notice and I obtained my account number. I called back to the National Recovery unit and offered to pay the collection if they could immediately send me confirmation via Fax or Email that I had paid the debt. They indicated they would not be able to send me confirmation of debt payment immediately and I would instead need to send them a self-addressed stamped envelope to receive a receipt of payment. My account number for the collection was XXXX and my confirmation of payment is XXXX. These practices cause consumer harm. Not having received written notice does not give the consumer the opportunity to dispute a collection prior to it showing up on a credit bureau and then not allowing customers to immediate proof of payment on a collection can result in them having a higher interest rate on loans. A consumer has the most rights to their own information and with today 's technology collection agencies should be required to provide an immediate receipt to customers. National Recovery should be investigated for violations of the Fair Credit Reporting Act for not sending out a written notice prior to entering a collection account on my credit bureau.
Product: Debt collection

Effective XX/XX/2020, An account from XXXX XXXX was entered to my credit report. They previously submitted a collection letter both from XXXX, and Sequim. I demanded proof of debt, and neither XXXX  or sequim responded. I did not have an account with them. I want this debt removed now.
Product: Credit reporting or other personal consumer reports

I C SYSTEM {$1200.00} - Open balance I C SYSTEM - Original creditor Opened- XX/XX/2024 ( XXXX mos ) I am hereby notifying you that I did not authorize any individual from I C SYSTEM to view my Consumer Report. In addition, I did not grant I C SYSTEM permission to furnish this information. Please note this is a direct violation pursuant to 15 USC 1681 ( B ) ( C ). Both, together and separately my Consumer Rights and Privacy Rights are being violated.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MIDLAND CREDIT would verify the debt. So I took it upon myself to ask MIDLAND CREDIT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Mortgage

This is my third complaint filed with CFPB against the abusive mortgage practices of Nationstar d/b/a Mr. Cooper. For nearly five years after a layoff that required me to move across country, they have been mishandling a mortgage on my home in XXXX, refusing to timely process a deed-in-lieu, refusing to to respond to any short sale offers, refusing to foreclose, and refusing any form of load modification. 

We were finally able to sell the house. We obtained a payoff letter from Mr. Cooper on XX/XX/XXXX and Mr. Cooper was paid in full by cashier 's check by XXXX XXXX XXXX XXXX less than 48 hours later on XX/XX/XXXX. 

Mr. Cooper is new refusing to honor the payoff quote. Today, an agent of theirs in XXXX made numerous spurious and false claims about the payoff quote not including various costs like house repairs and attorney 's fees. These claims are false. 

After doing nothing with the property since our default began in XX/XX/XXXX, Mr. Cooper is now apparently attempting to make claims that it incurred additional fees in the 48 hours between the moment the payoff quote was generated on Wednesday XX/XX/XXXX and when the loan was paid in full on Friday XX/XX/XXXX. This is clearly a lie and is yet more evidence of an ongoing pattern of abuse against me as borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing a hard Inquiry in my credit report from unknown agency XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX These are coming in Trans Union and XXXX both and I do not remember I have authorized any one of  them doing it,
Product: Checking or savings account

On XX/XX/XXXX a visual verification was completed at the XXXX, XXXX branch office. The visual verification occurred as a result of reported fraud by us. When the visual verification took place, it was confirmed by the brank manager there were no pending transactions on our account. Information was provided to us on the balance of the account with confirmation of the balance being {$8100.00}. This represented the current balance of the account with confirmation no pending transactions existed. 

Pending transactions can be seen online and noted as pending. We verified this with the branch manager who again confirmed there were no pending transactions on XX/XX/XXXX. 

Wells Fargo alleges there was a wire that had been initiated on XX/XX/XXXX. However, given our account was frozen at the time this alleged wire was initiated and the fact that the branch manager, a XXXX employee of Wells Fargo , confirmed there were no pending transactions, how could a wire have been initiated? This is a operational and procedural oversight by Wells Fargo that resulted in Wells Fargo taking money from our account that was unauthorized. Wells Fargo had knowledge of fraud on our account, notification by us of the visual verification and confirmation by a Wells Fargo branch manager on XX/XX/XXXX that no pending transactions existed. Money is owed to us as a result of false information being provided to us by a Wells Fargo.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

I got scammed after I used my bank of American to make a purchase through XXXX  both of the payment went to a fraudulent account and never received my merchandise or my money. I dispute the charges with XXXX XXXX who referred me to bank of America. After I filed the claims with bank of America for both payments, bank of America change the direct debit guaranteed rules and denied my claims and refused to reimburse my account. I asked to speak to a manager, the representative told me he's infact a senior account executive and that there's no one else who can help me. Please I need help to recover the XXXX dollar that I worked so hard for and was taken from me and my XXXX  children.
Product: Money transfer, virtual currency, or money service

Coinbase is an online crypto currency exchange that allows for buying and selling of various crypto currencies They allowed me to transfer my funds from my XXXX XXXX to them ( XX/XX/XXXX n XX/XX/XXXX ), allowed me to purchase their product ( XXXX ) and then immediately locked my account from selling or buying or withdrawing XXXX fell more than 30 % in price and they denied me access to sell ( after allowing me to buy ). I lost a lot of money due to this and still can not sell my purchased product. 
They kept citing ID verification despite the fact that ( 1 ) been a member since 2016 ( 2 ) they allowed me to transfer funds and buy without ID verify ( 3 ) I have submitted numerous times my drives license, my camera pic, my camera pic with handwritten note
Product: Mortgage

Mortgage company is overcharging me for interest and fees and refuses to correct problem. 
Interest rate is supposed to be 2.75 % of {$270000.00} of {$630.00} per month and they have been charging me {$1400.00} per month as well as other fees they make up like taxes and insurance that I pay not them and misc. fees they tack on every month. This has been going on since 2009 and they refuse to correct the problem. The company is SPS Select Portfolio Services in Utah. If you look on the internet they have been doing this to XXXX people and no one can do anything about it. If they are not a criminal organization I do n't know what is. The FBI should look into their practices as they are doing this to countless others. I have also paid them close to {$50000.00} in payments through the bankruptcy court and they refuse to give me credit for these payments.
Product: Mortgage

On XX/XX/XXXX, I received a letter of sale from Mr cooper Mortgage Company to XXXX XXXX XXXX. The letter is dated XX/XX/2019 ans I am to be given 15 days notice under RESPA. 

The problem I am having is that Mr. Cooper was on XX/XX/2019 supposed to do a Escrow analysis to establish to following years payment. I can only see the amount online as to the amount put in escrow which is XXXX along with any future payments into the account of XXXX for XXXX and XXXX. The problem with this is my taxes of XXXX are due in XX/XX/2019 as they are paid bi-annually. I have no idea of the status of the escrow or any shortages on this account before the transfer to a company known to not even pay taxes or evaluate escrow. 

I have to re-finance the house and can not get the correct data during the transfer and it will be up to 60 days until I can get this loan out of the predatory hands of XXXX. 

My request is simple that Mr. Cooper provide in writing an escrow analysis as of date of transfer oer even put something in writing on the account so I can refinance. They refused my request twice when I called saying since they sold the loan they didnt bother to establish my escrow dollar amount before transfer for me under 12 USC 2605 and although they may be exempt under the 15 day rule, they were supposed to run the escrow at the beginning of XXXX as I had spoken to Mr Cooper twice in XXXX about paying extra into the account. Either they knew at the beggining of XXXX the account was going to transfer or were behind on informing me of my escrow under RESPA.
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. 
XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # 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 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

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX- XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX / {$14000.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX XX/XX/XXXX XXXX XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX $ XXXX XX/XX/XXXX XXXX XXXX XXXX {$750.00} / XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX $ XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Credit reporting or other personal consumer reports

I want to bring to the Attention of CFPB and FCRA that I've sent Equifax XXXX documents on XX/XX/2024 through XXXX mail. the documents were numerous, disputes. Personal information, accounts disputes, and a duplicate account. 
the accounts in question are : XXXX. XXXX XXXX XXXX XXXX in the amount of {$460.00} XXXX. XXXX XXXX in the amount of {$0.00} XXXX XXXX in the amount of {$830.00} XXXX. XXXX XXXX in the amount of {$120.00} XXXX. XXXX XXXX in the amount of {$6000.00} XXXX. XXXX XXXX XXXX in the amount of XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$120.00} XXXX. XXXX XXXX in the amount of {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$530.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX the amount of {$850.00} Equifax has XXXX to comply with the FCRA 15 U.S.C 1681 of a fair and accurate credit report and has failed to investigate my disputes properly.

A picture of the Certified mail receipt and a Signature card is downloaded on the CFPB attached document site Driver License and SS card, along with a copy of the disputes that is in question.