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

Hi, I am a victim of identity theft. When these accounts were opened, my personal information was stolen and used to commit fraud against me. I have given no authorization to these companies to open these accounts OR run my information. I need these accounts to be REMOVED/DELETED IMMEDIATELY because it is affecting my credit score tremendously and is affecting me from being successful in my life. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please DELETE the FOLLOWING items as soon as possible : EQUIFAX ACCOUNTS : XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$12000.00} XXXX XXXXXXXX OPENED : XX/XX/XXXX AMOUNT : {$300.00} XXXX XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$730.00} XXXX OPENED : XX/XX/XXXX AMOUNT : {$300.00} XXXX XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$430.00} XXXX XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$220.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX MY ID AND SSN IS ATTACHED TO THE DOCUMENT " EQUIFAX '' XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX ( XXXX credit card ). Payment is due on the XXXX of every month. This month I made a full payment of the account balance on XX/XX/2019. The payment posted on XX/XX/2019. However, the bank reported a balance of {$35.00} on my credit. I called customer service, I was advised to mail or fax my credit statement along with my credit report for correction. 

To my dismay, the bank has made another report on my credit, reporting another more higher balance on my account. These two reports are within the same month just days apart.This has affected my credit score drastically. 

I believe the bank has intentionally decided to hurt my credit because I initiated a dispute with XXXX.
Product: Debt collection

On    XX/XX/XXXX   , I sen t American Financial Services  a letter and requested that they provide me a validation of debt, on this unknown account as per instructions from  XXXX  's dispute results letter dated   XXXX   XXXX    2017 I asked for proof that I am indeed the party they are asking to pa y this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt.     I received a letter from  American Financial  dated   XX/XX/XXXX .  Their version of verifying this debt was a  one page  sheet as you can see, with the words *Validation of Debt Notice*. A client account number and a total balance. Telling me to contact the hospital directly.     If you received a notice like this in the mail, with just an amount due, would you pay it or would you question it? I 'm questioning it.     IF this account was mine, I most likely had insurance at the time and the insurance wouldve covered the charges. This account most likely also would be obsolete.     They way that I  see it, American Financial can  not furnish the requested information to me because if they do n't have it.
Product: Debt collection

I checked the mail today and I have a huge envelope in my mailbox from Blitt and Gaines , P.C . Keep in mind it's a pandemic on top of the cities are rioting. I've lost my maternal grandparents last week to XXXX. I'm trying to buy a house and I don't need this right now. I have this company reaching out to me, stating I owe a debt to XXXX XXXX XXXX. I've tried to dispute it directly with them. However they keep sending me just old XXXX XXXX bills.I 've never applied for this account I do not recognize this account and I need the following to validate this debt is owed by me, XXXX XXXX. 

I need a signed application of when I applied for this account I need a signed receipt of any merchandise that I received from this account. 


I DO NOT WANT THIS COMPANY TO SEND ME ANYMORE INVOICES OR STATEMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am contact you due to a recent increase in fraudulent information on my credit report and I would like this information removed because it is fraudulent and doesn't belong to me. I will first start with the fraudulently credit inquiries that are not mine and do not belong on my credit report and I would like these inquiries removed at once XXXX XXXX XX/XX/2018 XXXX credit card Also these accounts I'm going to list are fraud and I want them completely removed of my credit report at once because they do not belong to me and are fraud XXXX XXXX Reported : XX/XX/2018 + {$0.00} XXXX XXXX XXXX Reported :XX/XX/2018 + {$420.00} Closed XXXX XXXX : XX/XX/2018 + {$420.00} Closed Remove these accounts at once they are fraud and do not belong to me and I want them removed at once. 

Also my credit card balances are incorrect and I want these cards listed to be updated at once because your company is reporting false balances which is causing harm to my XXXX XXXX. Please update balances for XXXX XXXX, XXXXXXXX XXXX XXXX XXXXk, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Please update balances
Product: Payday loan, title loan, personal loan, or advance loan

Ive had American Express working capital since XXXX. I have borrowed millions of dollars with their products. One department doesnt know what the other department is doing and offers specials and sells incentives to, what I assume is to meet their own quotes which affects other products that I use. American Express working capital will arbitrarily cut your credit line to XXXX. I actually use credit line in my business which the product works great when they dont cut it off. Its hard for a small business to work when its so erratic. I also had XXXX  which American Express purchased. Took my XXXX and {$50000.00} credit line that Ive used for XXXX or XXXX years down to XXXX. Between the two products they reduced my credit line from {$300000.00} to XXXX. When I call them they dont tell me anything specific, so I can correct whatever their algorithm is reading. Its unfair. I have borrowed millions of dollars which American Express has made tens of thousands of dollars off of me but they give me no answers. A lot of times theyre rude and Im fed up. Since I use credit, my credit score can go from XXXX to XXXX and back down to XXXX which obviously kicks in their algorithm but theyre all great credit scores. Never been late.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. I lawfully obtained these reports through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  - FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Credit reporting or other personal consumer reports

Dispute Investigation : I am writing regarding the dispute I submitted on [ date ], which I believe was not handled in compliance with the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681a ( w ) and 15 U.S.C. 1681 ( i ), you are required to ensure accuracy and conduct a reasonable investigation. Additionally, FCRA Sections 604 ( a ) ( 3 ), 611 ( a ) ( 1 ), and 611 ( a ) ( 5 ) ( B ) ( ii ) mandate proper procedures for dispute resolution. Failure to comply may result in statutory damages of up to {$1000.00} per violation, as provided under FCRA Sections 616 and 625. 

The details of the disputed charge-off entry are as follows : - **Original Account Number : ** XXXX - **Current Balance : ** {$230.00} - **Account Number : ** XXXX - **Creditor : ** XXXX XXXX XXXX  Please re-investigate and correct any inaccuracies within 15 business days. If this matter is not resolved promptly, I may pursue legal action for damages up to {$1000.00} as permitted by law. 

Thank you for your attention to this matter. 

Sincerely,
Product: Mortgage

I have been working with Cardinal for months. I sent you a complaint a few weeks ago. Nothing was done, but not things are even more serious. I think they are intentionally trying to make sure that my loan is denied, probably because I filed the complaint. I was suppose to close on XXXX. I did n't. Not because I had n't done what i was suppose to do, but because they kept changing the " fha guidelines ''. They constantly lie to me. I was told I had to verify funds of 1 % of the loan or more, but the day before closing they started demanding all this extra paperwork that is not required. They have contradicted themselves over and over and I think they are doing it on purpose. I did everything they asked. I got them the paperwork and then I was told underwriting had approved the loan, but because my score had changed ( It was still higher then then XXXX required for fha ) the president of the company would have to sign off on my loan. All of this on the day of closing. I 've never heard of such a thing happening. I was told the decision was to " refer ''. I know that means they would have to manually approve it, and because I had did everything they asked and they never told me there was a problem with anything i provided, i assumed it would be approved. They did n't approve it. I was given all these excuses and now I have less than 8 days to raise my score by XXXX points or lose XXXX dollars that could have been used towards my special needs child and the home. I ca n't afford to lose this home, but they have done so many things. I even asked if they were doing this because i was XXXX. Cause I ca n't think of any reason why they would be giving me such a hard time when i 've jumped through hoops to make this happen. I asked the loan processor, XXXX XXXX, if i needed to pay my credit cards down because the balance went up. I asked him this 2 weeks or more ago. He said NO. He said that as long as the minimum payment was low it would be fine. Now I 'm being told that I need to do whatever to raise my score, including paying down the balance on my credit card or I wo n't get the loan. I 'm in my extension period. I have paid down the credit cards as of yesterday and they are suppose to submit a rapid rescore on monday. I pray this will resolve the score issue, and I can finally close, but I feel that they are intentionally putting road blocks up. Why offer fha loans if you are n't going to follow the guidelines. They have me in a horrible position. They know this and they do n't seem to care. Oh and I was given conditional approval weeks ago and I was also told that underwriting approved everything but the president would n't sign off because my score had dropped and when asked to manually approve because the score drop was a mistake i was told she would n't. all of this on the day of closing.
Product: Credit reporting or other personal consumer reports

I previously submitted a complaint requesting a reinvestigation of disputed accounts on my credit report, urging you to update this account during the investigation period. Regrettably, as of today 's date, there has been no response to my request. Once again, I implore you to scrutinize the account for inaccuracies, incompleteness, and outdated information : XXXX XXXX XXXX Balance Owed : {$1100.00} - This specific account is erroneously marked as a charged-off account. I seek clarification on why a balance is indicated if it is indeed a charge-off. The displayed balance is unquestionably incorrect, and, if feasible, I request its adjustment to {$0.00} or the outright elimination of the account.
Product: Debt collection

Navient Solutions is reporting multiple items on my credit report that I did not receive from them nor did I agree Navient to pay. I contacted both Navient and the XXXX credit bureau which are reporting these fraudulent items and neither will send me the contract with my signature which I requested. I have asked numerous times and received nothing. By law these items must be removed. I will be filing a complaint with the XXXX as well as filing a lawsuit against Navient and XXXX if these items are not removed immediately!!!
Product: Checking or savings account

I cant open bank accounts with main banks they all deny me. I need help please.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX Account Number XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Mortgage

As of XX/XX/2021, XXXXLOANCARE LLC has not fully resolved my prior complaint with the CFPB. The company still has my principal and interest payment at {$2200.00}. This is incorrect. In the loan modification correspondence ( see attached ) dated XXXX, XXXXXXXX XXXX, LOANCARE , LLC. stipulated that my principal and interest payment would be {$1900.00} effective XX/XX/2021. The first payment was due on XX/XX/2021. They fixed the escrow piece that was incorrectly processed by their escrow department and lowered my escrow payment to {$950.00} via the escrow analysis dated XX/XX/2021. However, the escrow department failed to have the updated principal and interest amount in the new escrow analysis that was stipulated in the loan modification documents. The escrow analysis ( see attached ) stated my total mortgage payment is {$3100.00}. This is incorrect. The totally mortgage payment should be {$2800.00} based on the modified principal and interest, plus the new escrow amount. LOANCAREXXXXXXXX XXXX  XXXX should be shut down. Their handling of loans as a servicing company is unprofessional. I wish to be transferred to another company that will handle my mortgage payments with accuracy and care. This has been an awful experience, and I should not have to contact the CFPB to actually get things resolved.
Product: Credit reporting or other personal consumer reports

Received letter from XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX, dated XX/XX/2024. Which myself and wife received indicated that they had a breach in their company computer system and our personal information ( identity ) problem was included, they say they done investigation, but why are they writing to us? My wife and I never had submitted any loan with them to the best of our knowledge ( POSSIBLE FRAUD ) within this company. 
Request that an investigation be completed on this company. Will forward letter if needed. 

THANK YOU XXXX ( RETIRED XXXX ) XXXX XXXX XXXX & ( XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit companies, XXXX, Equifax, and XXXX continue to report this account as accurate even though i have court records showing a different amount owed too another company. I believe no investigation was ever done. It is harming my ability to apply for a home for me and my children. 
the amount shown by XXXX XXXX, saying i owed them a total of {$3500.00} dollars as a high balance, they are saying i paid 28 % which i never paid this company, and that i now owe {$2500.00}. None of these amounts are shown in my court documents! so, they are reporting false information. That is a violation. I have disputed this account multiple times.
Product: Debt collection

I never had XXXX in my 25 years of living nor did I put any comed bills in my name. I sent a letter out to the company for verification but never received a response. This violates the fair credit act XXXX XXXX XXXX XX/XX/2022 {$410.00} SOUTHWEST CREDIT SYSTE XX/XX/2022 {$480.00}
Product: Debt collection

Eastern Account System Original Creditor : XXXX XXXX XXXX Open balance : XXXX After reviewing my credit profile. I identified this INACCURATE FRAUDULENT ACCOUNT under Eastern Account System. I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed and therefore a XXXX validation letter was sent out on this day, After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. 

At this time, I will also inform you that your offices have reported invalidated information to all XXXX credit bureaus ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both Federal and State laws. Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in brining LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character. 

15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C.

Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am writing to complain to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Money transfer, virtual currency, or money service

My XXXX XXXX Account was hacked and scammed using Zelle. The scammer was able to hack my account and deplete my entire account. I called XXXX XXXX and made a dispute however was informed that more than likely it would be rejected.
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 XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name XXXX 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 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

Recently i received a copy of my Experian credit report and noticed multiple unauthorized opened accounts from XXXX added to my credit file, i did not give permission for Experian or any one else to run my credit, i did not apply for loans or any credit cards with XXXX. Experian gave XXXX credit card company access to my credit file without my permission. 

there are 2 XXXX accounts that are reporting balances and late payments in my Experian credit file that do not belong to me and when ever i talk to Experian they blame XXXX and when ever i talk to XXXX the blame Experian saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.