23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number documented in attached letter. 

Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( Experian, XXXX or XXXX ) this action might 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 or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

Repeated harassment and home visits from Scott & AssociateXXXX who handle old bad debt. Send them a cease and desist letter on XX/XX/2019 and today they sent someone to my home violating this cease and desist to serve with bad debt papers.
Product: Mortgage

InXX/XX/XXXX I completed a refinancing loan with XXXX XXXX XXXX. In XX/XX/XXXX Ocwen took over servicing of the loan. At the time the mortgage was signed, escrow payments had been computed through XX/XX/XXXX which included payment of insurance and taxes. In XX/XX/XXXX, Ocwen wrongly purchased force placed hazard insurance. This is my second complaint with CFPB ( first filed in XX/XX/XXXX after first trial ). After I won a defense judgment in XX/XX/XXXX, a few days later Ocwen began completing Escrow Analysis. The escrow analysis and deletion of escrow analysis lasted approximately 2 1/2 years and included approximately 8 escrow analysis. After the final running of the escrow analysis a new statement was run inXX/XX/XXXX that deleted several costs including the force placed insurance. The above information regarding escrow analysis ( which included an entry that default trigger on hold for escrow analysis ) was produced in current foreclosure filed in XX/XX/XXXX. The Ocwen log is highly redacted with very deficient privilege log. I would like to receive a copy of the unredacted Ocwen log on my account. Also Ocwen has produced 2 very conflicting account histories. The one produced in XX/XX/XXXXtrial does not show my payments late from the very beginning of the loan. The most recent payment history produced in XX/XX/XXXXshows me late on payments from the very start of the loan. Filed motion to strike their pleadings for fraud on the court regarding the conflicting payment histories, inaccurate BPO to base value of home for mediation, and that they claim to have filed an original note. Certified copies of note from the 2 court files indicates otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of abused due to discrepancies on my credit report with XXXX XXXX Credit card services, I legally paid this account in full XX/XX/2018 and it is reporting on Experian Credit Bureau as a charged off. This account has been deleted from XXXX  and XXXX  credit BUreaus, I do not know why it has not been removed from Experian I have been dealing with this issue almost a year and 2 months no response I totally disagree. My crdit I have exceptional payment history on all my credit reporting accounts. This XXXX XXXX Credit Card Services is potentially affecting my small business I have not been able to get approved for a business loan because of this issue. I want to consumer credit report law states that a Fiancial Institution may have discrepancies reporting diferent information to credit bureaus. I demand for this XXXX  XXXX credit card account to be removed and deleted from Experian Credit BUreau like it is removed and deleted from XXXX  and XXXX, as a XXXX XXXX year. i have the right to file a complain for this discrepancy that as i wrote it it has been affecting my score and credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called USAA multiple times to update my new phone number and they are refusing to allow me to. They will not cancel my account despite multiple requests to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Motor Credit Corporation on multiple occasions has attempted to and did swindle money from me, theh wrongfully report false credit information on the credit Bureaus and has not let me access the online account of my second vehicle. Toyota keeps hanging up the phone and will not respond to the claims and proof we sent them over fax they acknowledged the fax once then changed the story after. They keep sending letters harassing me and my son on the matter
Product: Credit card

The Following companies, XXXX, XXXX, XXXX, Corelogic, XXXX XXXX, are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwThe Following companies, XXXX, XXXX, XXXX, Corelogic, XXXX XXXX are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. XXXX, et al, has failed and/or refused to implement a block> I have also demanded secific verifications : ( 1 ) Any insurance claims ; ( 2 ) chain of title ;, i.e.
Product: Mortgage

I purchased a property in XXXX ( XXXX XXXX ) and used Bank of America to finance the 1st and 2nd mortgage on it in XX/XX/XXXX. Unfortunately, the condo I purchased was involved in a real estate scam and as a result lost its value. On top of that, I had an unfortunate tenant issue where the tenant got diagnosed with XXXX XXXX and was dealing with mounting medical bills, and eventually could no longer pay rent. I tried to work out a coop short sale in XX/XX/XXXX with Bank of America but they basically ignored me and then foreclosed on me less than a year later in XX/XX/XXXX. The first mortgage account got closed out in XX/XX/XXXX, but it took Bank of America another 2 years to close out the 2nd mortgage account in XX/XX/XXXX, which prolonged the derogatory marks on my otherwise pristine credit score. To add to the insult to injury, when the 2nd mortgage account was closed out in XX/XX/XXXX, there was apparently unpaid interest due ( {$44.00} ), but Bank of America never notified me of the amount due. In XX/XX/XXXX, I received a letter from Bank of America notifying me that my 2nd mortgage account was closed, and my account was " paid in full '', so I assumed that the nightmare was finally over and that my credit score could finally come back. However, this was not the case, because when I tried to qualify for a mortgage for a home purchase XX/XX/XXXX, I was notified of the {$44.00} that Bank of America claimed that I owed, and, since they could not collect ( since I did NOT EVEN KNOW ABOUT IT ), they closed the account ( AGAIN ) XX/XX/XXXX with derogatory remarks, which caused my credit score to go down again! I am upset with Bank of America because there was never any notification of this unpaid interest when the account was closed. Additionally there was the misleading letter that was sent to me that indicated that I did not owe anything, since the account was " paid in full ''. I called the Bank of America recovery department and they were not apologetic to my case, and even mentioned that there is no communication between the active loan department and the charge-off department, so therefore consumers are not educated on the fact that there COULD still be monies owed, even if the account is closed!! This issue is basically preventing me from being able to purchase a house for my family, and this foreclosure happened FIVE years ago!
Product: Credit card

On XX/XX/year>2025 I called and paid the balance off on this card. They have now charged XXXX late fees after this payoff and will not budge. This is Comedity XXXX XXXX Card. Ive called them five times and they wont remove these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX falsely put things on my credit report and threatened me to pay them, they have put debt on my accounts and put my score in the negative I have been having this problem for two years Ive done everything and still nothing has changed I made a police report and filed a complaint and I have yet to see any results.
Product: Debt collection

I was late paying a XXXX Toll fee and after paying {$25.00} to the toll company I received a bill for {$77.00}, sent them a letter of explaination and they sent me another fine for {$70.00}, no explaination just a total due of {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had made several attempts to write to XXXX, XXXX, XXXX  also Bank of America. I have attached my police report and FTC report along side with my identity information. The creditors is still reporting the Fraudulent information on my credit. This information been on my credit report for the pass 6 months now. 

Bank Of America Account # XXXX Bal {$5300.00} XXXX XXXX  BAL {$890.00}
Product: Credit reporting

EQUIFAX NEEDS TO UNBLOCK MY CREDIT REPORT FILE OR FIX MY CREDIT FILE. I APPLIED FOR A LOAN AND THE CREDITOR WAS UNABLE TO GET A REPORT FROM EQUIFAX. THEY NEED TO FIX THIS ISSUE THAT HAS HAPPENED MANY TIMES BEFORE.
Product: Credit reporting or other personal consumer reports

All information on a credit report needs to be accurate. According to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Multiple names, multiple addresses, multiple phone numbers & multiple employers listed on my credit report is inaccurate. I have one name, one address, one phone number, and one employer. This is a violation of the FCRA 15 USC 1681 ( a ) ( 1 )
Product: Credit card

On XX/XX/XXXX I was contacted by XXXX of XXXX about an old credit card debt that I had with Providian XXXX. He stated that I had filed for a credit card under false pretense and that I had a complaint for  the theft of a credit card account.  I told him that I had never heard of this credit card and never received any paperwork regarding a credit card and a debt.  I asked him if he would send me the paperwork regarding the debt which he told me XXXX then I was emailed an agreement to start making payments and the document's total was XXXX. I refused to sign it and I was practically bullied into giving my credit card information so I could start making payments. I told him that I always check my credit every month through XXXX and an account from Providian has never been placed on my credit report. My credit is average and Providian has never been on my report. Then he gave me XXXX different dates when the card was in status of "charged off" XX/XX/XXXX and I stated it is past the statue of limitations and then he stated XX/XX/XXXX.  He refused to mail the paperwork so I could see documentation of the exact date I had applied for the credit card. He told me that I would be sued and have to pay attorney fees I was afraid and I gave him my credit card information but when I received the agreement from the amount had jumped from XXXX to XXXX dollars and I refused to sign. In addition, the documents he emailed me were dated XXXX and I have until XXXX to sign them. I did not make initial contact until XX/XX/XXXX. I responded to an email and stated why wasn't I mailed this document sooner?
I really feel threatened because I don't think he wanted to listen to me and he kept placing me on hold stating that he was preparing the paperwork but then when I was emailed the paperwork that did not have the right dates on them which I talked with him in XX/XX/XXXX the documents had already been prepared months ago and they never made contact with me.
They had the wrong zip code on the paperwork so if it was mailed it went somewhere else. I do not appreciate being treated like a criminal when I haven't heard anything about this company. I have been a victim of identity theft but I feel I am a victim of being criminalized of something I have no clue about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX/NCA on XX/XX/2019. I dont not recognize this lender or giving authorization to perform a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S.C. 1681b section 2 - XXXX XXXX Bankruptcy # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights -15 U.S.C. 1681 section 602A States i have the right to privacy. 15 U.S.C. section 604A section 2. it states a consumer reporting agency can not furnish a account without my written instructions- 15 U.S.C. 1692c without the prior consent of the consumer giving directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several items on my report that are not mine. They keep telling me they verified it as mine but give me no proof. LVNV Funding, XXXX XXXX, A Bankruptcy that I NEVER filed
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must delete wrong accounts from my credit report. Can you check? Some accounts listed are wrong about when they happened and how much is owed.
Product: Mortgage

fee that I have been charged for my XX/XX/2018 mortgage. I made my payment on XX/XX/2018 with XXXX. Please review this and reverse these charges. Loan # XXXX. Also, I was told that my escrow acct was under its scheduled budget, and that you had to adjust my paymentd to compensate for the shortage. Yet my property taxes were paid twice and you received a refund for that double payment. So I need to have my mortgage payment reinstated because the shortfall was refunded to Statebridge Co.
Product: Debt collection

Sent my mother and email to her personal email with amount owed. This also had my name and the last 4 numbers of the account owner. States they did not have her email on file but I have then email that was sent to her.

The company is Portofilio Recovery Agency PRA LLC. The amount owed the email states is {$770.00}. Gives amounts of how much the debt could be settled for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XXXX XXXX apply Pulled my credit report I didnt apply for this
Product: Credit card or prepaid card

My father XXXX XXXX passed away XX/XX/XXXX. 
We closed his account in XX/XX/XXXX ( spoke with XXXX ) ( we didn't close it last winter since some items like his internet were being charged to the account ) My father had the account set up for autopay coming out of his checking account. 
There was a debit for over {$800.00} for the credit card over the summer. 
Obviously my father is not charging to the account. 

I can not see the statements. I have made multiple requests over the last few months to get copies of the statements and info on the charges to his account. 
First I was told to wait 2-3 weeks until his account was in the probate department. Then I called " probate '' only to find out it is a collections agency. ( XXXX ) ( which they have now zeroed out his account ) but I still can not get access to his past statements to review for possible fraudulant charges. I have made requests ( XX/XX/XXXX XXXX, XXXX XXXX ). They keep saying they will send me something, and I have yet to received anything. My reference number is XXXX I have both his death certificate and letters of testamentary. 
Account number is XXXX citi mastercard
Product: Credit reporting or other personal consumer reports

I disputed the XXXX XXXXXXXX account beginning in XXXX XXXX XXXX ago with XXXX, Equifax, and XXXX claiming that I was unaware of who established this credit account and for them to send me the original contract and the method they used to validate this account. NO RESPONSE AS TO HOW WAS THIS ITEM VERIFIED TO END UP ON MY CREDIT REPORT! On yesterday an unknown person delivered mail from a residence I have no knowlede of and is listed on the XXXX XXXX document provided. I did not create this account nor is the address connected to this mine. Im also seeing where XXXX XXXX states they have sold the debt to another company so Im sure credit bureaus are not properly validating this fraudulent account!! I am requesting that this formal complaint be accepted as evidence for my claim and the removal of this account in question. This has caused me severe emotional and financial stress. Please remove this item from my report immediately to avoid escalating to legal matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time complaining about inquiries that are falsely reporting on my credit report. The information that is reporting on my credit report does not belong to me and i want these inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported 9 delinquent accounts on my credit that lowered my score drastically. These loans are supposed to be under my Dad 's name as he is the one paying the loans. His phone number and home address are listed on the account. The first time I tried to resolve with the company I was rudely hung up on my one of their representatives.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX  XXXX on XXXX under the XXXX account number, a credit card opened at XXXX XXXX XXXX XXXX under the XXXX account number, an account opened at XXXX XXXX on XXXX under the XXXX account, and an account opened at XXXX on XXXX under the XXXX account number. Unauthorized inquiries, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent late payments, charge-offs, inquiries, and fraudulent collections appearing on my consumer XXXX Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I went into a XXXX dealership to get pre-approved for financing. I was told by a salesman he would perform a soft credit pull. Unbeknownst to be my credit was pulled 14 times from 4 different creditor various time. Full list below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX