23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NCB is the company. 
This was discharged in Bankruptcy as listed on my credit reports of XXXX and XXXX. 

On my XXXX XXXX, it does state Discharged in Bankruptcy which is correct. 
What is NOT correct is that this account is listed by XXXX XXXX under collections. My lawyer has advised that once an account is listed, it must have a XXXX balance, and closed along with no negative information other than the remarks of Discharged in  Bankruptcy. 

I have contacted XXXX XXXX and they advise me to contact XXXX, XXXX and NCB. 
I have contacted all three of them and they have confirmed that per their files, NCB, XXXX and a XXXX that this accounts is not listed as collections, but Discharged in Bankruptcy. 

The issue I have is that XXXX XXXX states the information is correct as listed. 

I dont understand why no one from XXXX XXXX can correct this. The 3 companies confirmed it was discharged and closed. 
XXXX XXXX will not remove this account from collections to closed. 
This is fraudulent information on my XXXX XXXX account from an agency that sends out my credit information and score. 

Please help me I have been going back and forth with them, no one will help me, they keep saying investigation confirm, this account is in Bankruptcy. 
Which I have advised for the past 8 months, that is true. 
I want them to move my file to closed. 
What can I do, this is nit right. Can you help me on this please and advise, what I can do.
Product: Credit reporting

they Experian, XXXX and XXXX refuse to send me my score and credit report they want to charge me a fee monthly
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a single dad, I loss my wife earlier this year after the birth of our XXXX  daughter and things has been really tough for me and my girls and to find out I have this now on my list is really heart wrenching and overwhelming. I don't know what to do, but I am asking that these accounts are deleted off of my credit report. I am a victim of Identity theft. I did not open any of these accounts. I just ask that they are deleted to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Transunion credit report today and found proof that they are still illegally reporting inaccurate information about me. The 2 following alleged collection accounts with XXXX XXXX  is listed with a Past Due balance of : XXXX XXXX for {$60000.00} XXXX XXXX {$1900.00} This is a violation of the FCRA and it's in violation of requisite METRO2 Compliant reporting standards. This has been my 4th attempt to get them to update the collection account on my credit report and each time it changes to open to close to open to close... now showing a past due amount on both accounts which can't be allowed if it's a closed charge off.

Please IMMEDIATELY remove these 2 accounts from my credit report and have them send me an updated report showing they're in compliance with all the METRO2 reporting standards and these accounts removed upon completion. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; Original Creditor : XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I have been banking with Bank of America for XXXX now and in the last 3 years they have had a breech in data and lost our personal info. Since that time Ive experienced fraud in my checking account almost every 6 months. They make me open a new account to get my money and then the new account or card is compromised and there is new fraud.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I noticed derogatory accounts on my consumer report with Trans Union. I filed a dispute requesting the results of their findings so that I could use the details to file a police report. Within 30 days they notified me that that the charges were validated but failed to provide me these alleged findings. 

In XXXX of XXXX I filed a second dispute for the accounts and reminded them that they did not provide me their results in which they are required by federal law. I also notified them they are required to validate the debt BEFORE furnishing it so it SHOULD be available to just give me. I received another response that the accounts are validated but again they did not provide me the evidence so that I could effectively file a police report. I have not received any information surrounding their investigation. I have multiple accounts that I requested an investigation for but Trans Union closed the investigations only a few days after allegedly looking into them. I sent 2 to 3 request for these accounts but they continue to mark them validated with no supporting evidence. 

I filed an identity fraud report, a police report along with the additional required documents and sent it to Trans Union. They received this packet on XX/XX/XXXX. Today is XX/XX/XXXX, which means they have failed to comply with 15 U.S. Code 1681c-2. They are required by law to block the fraudulent/ derogatory information or provide supporting documentation within 4 days. They have done neither. 

Trans Union also closed 2 of my other good standing accounts in XXXX and XXXX of XXXX. I called them regarding these illegitimate closings and they allegedly investigated if for 2 weeks only to inform me that it is validated but without any supporting evidence ( although they are required to ). I then formed a dispute letter and mailed it to them certified. Within a month they inform again that it was validated. These accounts should not be closed as I am in good standing with the creditor while currently making on time payments. 

I called XXXX on XX/XX/XXXX to make them aware of their failures to block the fraudulent/ derogatory accounts and of the 2 accounts that they illegitimately closed. The agent who answered acknowledged that they received my identity theft packet and stated that Trans Union mailed me out a response on XX/XX/XXXX. She also stated that they are continuing to investigate. Again, I informed Trans Union that the law states : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt She then proceeded to acknowledge that they have NOT blocked it and have sent me a letter. A letter does not comply with the law. 4 days is the federal law and it is now 16 days later. Two good standing accounts are currently closed and fraudulent/ derogatory accounts are still present.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ).

This COFF item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : 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

There are items on my credit report that aren't mine.
Product: Mortgage

Closed on new VA Home loan and assumption on XX/XX/2023. Included in my closing docs was a letter stating my mortgage was being transferred to Loan Care LLC and my XX/XX/XXXX payment should be made to them. The problem is that Loan Care had this security / ransomware event and thus, they have no record of my loan. 

In addition, I am a XXXX XXXX XXXX XXXX  and trying to get Escrow fixed due to lack of property taxes in Florida. I cant do anything as they have no record of me. 

I can't pay anything to them because there is no record of the mortgage itself. The originating lender ( XXXXXXXX XXXX  ) has been no help since they transferred the loan to them. All my calls to Loan Care ( after waiting hours ) have been no help as they state to just keep checking back. Loan Care has no email address to send anything to them. Not sure where to go from here but wanted it documented somewhere.
Product: Debt collection

Hello, I have been trying to removed these companies I have no idea about how I owe them money. They are updating wrong information on my account like I just opened an account. It is frustrating to see how your name got attached to things you have clue about. I asked them to send me proof they are sending statements. Which is totally wrong information. Things I have no clue about. Please look into my account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcy under my name. These accounts and bankruptcy 's are not mine. Please remove all these fraudulent accounts from my credit report. Thank you.
Product: Checking or savings account

This is XXXX XXXX I setup my account XXXX XXXX Today was the first time I tried to use my account a agent help me setup my account.And she said it was good I thought it was me hit close when login out but it wasn't me. I called back and another waited on me and she said my XXXX was removed and when I tap my app my account was already login and the app close, so that agent asked me to create another account and I did so I went and made groceries and couldn't pay for it I login with phone screen lock there was a finger print login and face I'd login and the agent ask me for my digital card and put me on hold for about 3 minutes and now no groceries and everything is gone off of the card
Product: Credit reporting or other personal consumer reports

I did not open this account nor authorize any transactions associated with it. The fraudulent activity has caused significant damage to my credit. I have already successfully resolved this matter with the bank involved. 

I have attached supporting documents, including a copy of the police report and the report filed with the Consumer Financial Protection Bureau, detailing the identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, On this day of XX/XX/XXXX I would like to file a complaint against Equifax and XXXX  for inaccurate information on my credit report! I've filed a complaint more than once to no avail. I would like you to make sure that I am treated fairly and not discriminated against based off of history, color, race, age, national origin, disability, sex, and/or religion. I'm in the process of applying for a loan with all credit accounts in Good standing, but have some negative items that are inaccurate on my credit reports with XXXX and Equifax. The first and most negative item is Child Support, which appears on my Equifax credit profile. This item was removed by XXXX XXXX and XXXX from my credit report but with Equifax it still remains! Child Support closed this account with all three credit bureaus on XX/XX/XXXX. The next items in dispute with Equifax are XXXX/XXXX in which has a balance of {$0.00} as of XX/XX/XXXX but is still showing a {$600.00} balance, and XXXX/XXXX  is showing a balance for {$23.00} in which also has a {$0.00} balance as of XX/XX/XXXX. XXXX  also has a balance showing on my credit report for XXXX XXXX in the amount of {$470.00} which has a balance of {$0.00} as of XX/XX/XXXX. XXXX  also shows a balance of {$23.00} for XXXX/XXXX  which has a {$0.00} balance as of XX/XX/XXXX, and XXXX also shows a balance of {$420.00} for XXXX XXXX which also has a balance of {$0.00} as of XX/XX/XXXX. I've called them numerous times as well as filing a dispute to have these inconsistencies corrected but they still remain unchanged, although they told me that they see where the accounts have been paid in full they have not updated my report in a timely manner! Their adequate response is desperately needed to get approved for a loan, otherwise I would be denied based off of inaccurate information posted in my credit report by the Bureaus! Thanks in advance!
Product: Mortgage

Applied for a mortgage modification and submitted requested documents several times to get a incomplete application denial letter. 
Every time they requested documents I sent them in, but their mailing system always sends out letters that arrive after the due date and theres nothing I can do about it.
Product: Credit card

On XX/XX/year>, I filed a dispute on XXXX XXXX XXXXXXXX because I had already returned the merchandise. I was then able to speak with the merchant and I was told that my refund can be issued once the dispute was canceled. I called Chime and the agent said that I am not able to cancel the dispute because it was too late in the process. A few days later, I received an email from Chime notifying me that my dispute has been denied. I then contacted the merchant and sent a copy of that notification, but the merchant stated that the bank will have to send them a notification or some of that sort to show that it is clear on their end. Since then, I have spoken to numerous Chime agents who are not willing to understand my situation to help including a supervisor who refused to help and hung up.
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. 
Account name : XXXX XXXX XXXX XXXX  Account number : 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: Student loan

In XX/XX/2017 I told Navient that I would be applying for PSLF and wanted to consolidate my loans just thinking it would be easier to track one loan. I was not informed that consolidating my loans would nullify the payments prior to consolidating them while I was in a public service roll. I did not find out until after consolidating my loan and being transferred to XXXX that was the result.
Product: Credit reporting or other personal consumer reports

CFPB XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute and Request for Removal of Unauthorized Hard Inquiry from Credit Report Dear CFPB, I am writing to formally dispute and request the removal of a hard inquiry that appears on my credit report. After reviewing my credit report, I noticed inquiries listed under my name that I did not authorize or initiate. These inquiries are impacting my credit score negatively until today. I was a victim of the Equifax data breach. I want these items deleted immediately from my credit reports. As you can see the from the notice/claim number from Equifax ( XXXX ), I was a victim and my information was sold and bought, and used without my consumer consent. I do not recognize these hard inquiry accounts and believe these were made without proper authorization. I am attaching the proof that Equifax has admitted that I was one of the victims in the data breach and Equifax has done nothing to fix this issue on my credit report. 
Details of the unauthorized inquiry are as follows : Name of 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

I sent letters on XX/XX/2022 to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to? 

How did they complete this investigation?
Product: Mortgage

I have requested to de-escrow my mortgage. PHH Mortgage is my mortgage holder. They have consistently failed to make the necessary tax and insurance payments, and are over-withholding amounts. I am very careful with my bills and do not appreciate PHH provided me with instructions on how to de-escrow the account. I followed the instructions in XXXX of XXXX and weeks later received a letter that the next disbursement was too close so they could not de-escrow and I would have to re-apply in XXXX. I re-applied in XXXX and within 2 weeks received a letter with a form to be filled out and emailed back to PHH. This was completed on XX/XX/XXXX. It is not XX/XX/XXXX, and I have not received my escrow disbursement. I called in, and PHH claims to have no history of any application to de-escrow. I am now being told that because a tax payment is due in two weeks that I will have to start the process over again in XXXX. 

As a consumer, I should not have to spend countless hours on the phone with customer service representatives in XXXX who are unable to provide any assistance. I live XXXX minutes from PHH 's " office '' in XXXX XXXX, NJ where their apparent headquarters is located and have offered to come into the office to sit down with a representative from PHH to resolve the matter, but am told I have to call the customer service line.

I am unable to get this resolved directly with PHH and am requesting assistance from the CFPB. 

Thank You.