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

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation offederal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LJ Ross and Associates has reported to XXXX that I lived at an address in XXXX and had gas service with a company I have never heard of, XXXX XXXX XXXX and XXXX XXXX in the amount of, {$2000.00}, Account number XXXX. They reported that they verified this information but it is impossible because I have lived in the same house in XXXX XXXX, IL. for over thirty five years using the same gas company which is XXXX. 
The false information and reporting by LJ Ross and its employees which they continue to do monthly has had a negative impact on my credit score and I have been denied credit due to their negligent reporting. I tried to resolve this with the XXXX  but LJ Ross continued to say that they verified this information which is not true. XXXX complaint # XXXX filed in XX/XX/XXXX. 
I want LJ Ross to stop remove this false information from my credit report and not sell this information to anyone else. As you will see on the attached As you will see on the attached complaint to the credit bureau, this account appeared on my report in XXXXXXXX XXXX XXXXXXXX under XXXX XXXX XXXX. I disputed the account with XXXX from XXXXXXXX XXXX on XX/XX/XXXX at XXXX and the collection was removed from my credit report then sold to LJ Ross and now they are reporting it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 
1681c-2 and formally request that this information be blocked. Enclosed, you will find a copy of my Police Report and FTC Identity Theft Report ( XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days of receiving a valid identity theft report. The following information on my credit report is the result of identity theft and must be blocked immediately : Fraudulent Accounts in Collection : XXXX - XXXX XXXX XXXX - XXXX Incorrect Personal Information : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Unauthorized Inquiries 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 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 This letter serves to inform you that I have become a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached. My credit report contains fraudulent accounts, incorrect personal information, and unauthorized inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested a payoff for my mortgage, with XXXX XXXX, due to refinancing. I received a payoff quote for {$70000.00}, good through XX/XX/XXXX. Payoff for the quoted amount was sent to mortgage company on XX/XX/2021, however was not applied to the loan until XX/XX/XXXX. This has left me with a derogatory mark on my credit report, showing that I was 30 days past due. I have previously sent in a credit dispute with XXXX and the have not updated the payment status. I have attached the payoff quote as well as payment history for the loan.
Product: Debt collection

Dear Experian ; XXXX XXXX XXXX ; My name is XXXX XXXX and i noticed that you continue to fail to investigate and remove this inaccurate, incomplete and unverifiable account. I keep getting genetic templates that says random and pre-printed responses. Actually, cfpb just published some findings on some deficiencies on how credit report and creditors has failed to complied. And i quote : CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ". 

If this account was ever investigate it wouldn't continue to report these errors as outlined. 

This repossession is reporting still continues to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Also, this account is in several consumer statutory and federal violations. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
Product: Debt or credit management

A debt collection company has been harassing me and my mother regarding a debt that my father has taken out for his business. Me and my mother are not associated with his business, and this agency has been contacting both of us threatening legal action, making vague threats, telling us the exact amount my father owes, and acting aggressively in general towards us both who are not involved.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Request to Block Fraudulent Information Due to Identity Theft Complainant Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Social Security Number ( Last Four ) : XXXX Description of the Issue : I am filing this complaint against the credit reporting agencies and data furnishers for failing to remove fraudulent information from my credit report despite multiple requests. I have been a victim of identity theft, and my personal information was compromised in a data breach involving XXXX XXXX XXXX. As a result, unauthorized accounts were opened in my name. 

Additionally, I was previously unable to access my credit profile, further supporting my claim of identity theft. Despite repeated attempts to update my personal information, the credit bureaus and data furnishers have failed to act in compliance with the Fair Credit Reporting Act ( FCRA ). 

Violations and Concerns : Failure to update personal information : My credit file contains outdated or incorrect personal details, including incorrect addresses, phone numbers, and employer information. 
Failure to block fraudulent accounts : Under 15 U.S.C. 1681c-2, I requested that fraudulent accounts be blocked, yet they remain on my credit report.

Failure to provide the method of verification : Under 15 U.S.C. 1681i ( a ) ( 6 ), I requested the method of verification for disputed accounts, but I have not received it.

Failure to safeguard my data : Under 15 U.S.C. 1681b ( g ), the agencies failed to prevent unauthorized access to my credit information.

Failure to ensure reporting accuracy : Under 15 U.S.C. 1681s-2, data furnishers failed to report accurate information, violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/, {$600.00} I have contacted Experian. They told me to file a police report. When I went to the police station I was told that the company XXXX XXXX was a collection agency. Meaning someone that makes up or buys peoples debt. Stealing information and putting someone else 's debt on me. While stealing my information.
Product: Mortgage

I have not been able to make payments on my second loan. At the time of purchase of my home in XXXX I got an XX/XX/XXXX mortgage. On the XXXX XXXX  loan I have been delinquent since XXXX. I want to be able to settle this account but I have been trying to call LOANCARE ( servicer ) for two straight weeks and I can not get to a live representative. This is a travesty.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally report and address ongoing fraudulent activity affecting my credit. For a long time, I have been a victim of identity theft, and despite my continuous efforts to monitor and secure my information, fraudulent accounts and unauthorized addresses keep appearing on my credit report every few months. 



As of now, there are 11 negative accounts listed under my name that do not belong to me. These accounts include, but are not limited to : XXXX XXXX Discover XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Additionally, my credit report consistently shows addresses where I have never resided, further indicating fraudulent activity. This situation has severely impacted my credit standing and caused significant stress. 



I kindly request your assistance in : 1. Investigating and removing these fraudulent accounts from my credit report.

2. Blocking any further fraudulent activities linked to my personal information.

3. Providing guidance on additional steps I can take to prevent further identity theft.
Product: Debt collection

A default judgement doesnt constitute validation of the debt, I am currently pursuing a countersuit, and I have reason to believe that your company violated the arbitration clause outlined in the original agreement. This clause explicitly requires that disputes, such as this one, be resolved through arbitration, and by bypassing this process, you are in breach of the terms we both agreed upon. 

Unfortunately, the documents you provided, specifically the credit card statements, do not adequately meet the requirements for validating the debt as outlined under the Fair Debt Collection Practices Act ( FDCPA ). Credit card statements alone are not sufficient proof of the origin, ownership, or validity of the debt in question. 

To properly validate this debt, I kindly request the following additional information : Proof that the debt has been assigned or transferred to your company, if applicable. 
The original contract or agreement that bears my signature, proving that I am responsible for this debt. 
A complete breakdown of the debt, including the original amount, any interest accrued, fees added, and payments made. 
The name and address of the original creditor, if this debt has been sold or transferred. 
Please note that under the FDCPA, you are required to cease collection activities until you provide sufficient evidence of the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This stuff that XXXX  has on my credit is not mine. It's student loans on there and I never ever been to college. I told the man that sounded like he was having a hard time understanding what I was trying to explain to him to me seemed like he was reading from a piece of paper. I do not have any student loans XXXX is giving me arid time about getting this stuff off. I was told to mail a dispute and I did never heard anything back. please get this taken care of. These student loans and the stuff showing from XXXX  XX/XX/19 & XXXX? XXXX XXXX XX/XX/19, XX/XX/19 & XX/XX/19 I did not apply for a XXXX XXXX or XXXX card
Product: Checking or savings account

In a letter to me dated XX/XX/XXXX, Truist alerted me to information " about your account ending XXXX ''. I have no such account. All my accounts with Truist were closed in early XXXX, after Truist had allowed strangers to open joint accounts with me ( in one case a convicted drug dealer ) my wife and I closed all our Truist accounts -- those we had opened and those Truist opened without our consent. This process took months and numerous visits to Truist branches to resolve. It included Truist refunding thousands of dollars plundered without our consent or knowledge from our checking and savings accounts and closing all unauthorized accounts in my name. Truist delayed at every turn and treated us shabbily. 

The XX/XX/XXXX letter had an additional shock. It was also addressed to me and an apparent joint holder of " account XXXX '' : XXXX XXXX XXXX. XXXX, like those persons Truist allowed without verification or consulting me to open joint accounts in my name in early XXXX, is a stranger. It is alarming that long after I parted ways with Truist, Truist is evidently again in the business of setting up accounts in my name with my permission. 

This is illegal and forbidden by state and federal law. It constitutes harassment and an assault on my financial and personal privacy. It must now be definitively and conclusively addressed.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings Account as having one of the nations highest interest rates, yet failed to notify accountholders about their superior rates offered by the 360 Performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT FILE : XX/XX/XXXX Equifax Confirmation # XXXX have disputed these Hard Inquiries with Equifax, as I did not and they are still listed, saying that they are factual. This is incorrect, I did not authorize these. I have submitted the attached FTC report XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

WE ARE IN THE PROCESS OF A VA IRRL. I MAILED A CK TO NEW REZ ON THE XXXX OF XXXX AND REALIZED IT WOULD NOT CLEAR IN TIME TO SHOW XXXX PAYMENT POSTED ON TIME. SO I STOPPED PAYMENT AND CALLED IN A PHONE PAYMENT CONFIRMATION # XXXX. HOWEVER, NEW REZ DID NOT REQUEST THE ACH TRANSFER FOR MY PAYMENT FOR XXXX. I THEN CALLED IN ANOTHER PAYMENT CONFIRMATION # XXXX PROVIDED BY NEW REZ. MY LOAN HAS RECORDED AND SINCE THE XXXX HAS NOT POSTED NOW WE ARE SHORT TO CLOSE THE LOAN.SO TODAY NEW REZ STATED ANOTHER 2 TO 3 DAYS TO POST MY PAYMENT.
Product: Mortgage

I applied for a conventional mortgage with Chase bank at XXXX XXXX XXXX XXXX, XXXX, FL in late XX/XX/XXXX and was told if I took an online XXXX XXXX XXXX course I would receive {$500.00} after my closing. The course was recommended by the branch 's lending manager, XXXX XXXX, and became a requirement for me to complete during the underwriting review process. I completed the course on XX/XX/XXXX and sent the completion certificate to my loan officer, XXXX XXXX, which was then provided to the underwriters. I closed on XX/XX/XXXX after a terribly stressful process with Chase staff. To this date I have not received the {$500.00}. 

On XX/XX/XXXX I sent a message via my Chase mortgage secure message center asking about the {$500.00} credit. The Home Finance Support team responded that they had no record of it. They said they would have to forward the matter to Home Resolution, although I have not received any notice that this was done or that Home Resolution is actively working on it. As it had been two weeks without any communication, I sent an email to XXXX XXXX and XXXX XXXX on XX/XX/XXXX for their assistance. XXXX XXXX responded that " the agreement was made directly with XXXX XXXX '' and that he was out of town until XX/XX/XXXX. On Monday, XX/XX/XXXX, I called XXXX XXXX 's cell phone and left a voicemail, which he did not respond to. On XX/XX/XXXX, XXXX XXXX responded to my second email with : " Since you sent your initial email to the escalation department I work through them for resolution. They will be reaching out to you with their findings and resolution to this matter. '' His response was disappointing as I felt he was not willing to help me resolve the issue and each Chase department seemed unable to do anything. I then sent an email to Chase Executive Director Home Lending, XXXX XXXX, to ask his assistance. XXXX XXXX responded and asked XXXX XXXX to respond with detailed facts, however, XXXX XXXX has not responded. I am still waiting for Chase to inform me as to what is being done to honor their {$500.00} offer. Furthermore, I do not want other prospective mortgage applicants to go through this same experience.
Product: Money transfer, virtual currency, or money service

Cash app XX/XX/XXXX card charged unknown company XX/XX/XXXX- withdrawal on canceled subscription XX/XX/XXXX- card charged Called customer service someone took my info and I never heard anything back from anyone. Attempted to chat with cash app still no solution
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Equifax and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 


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: Debt collection

We sent you our method of payment for a permanent discharge concerning this matter. This is simply a preliminary audit to guarantee proper accounting is being conducted with said account. 

Proof : Registered Mail Via USPS : Registered Bond Number : XXXX ( use this number to XXXX ) Routing Number : XXXX The dates, amounts and actions are all specified in our method of payment. 

Thanks for your patience and understanding.
Product: Mortgage

I sent a payment to my mortgage company and they applied to principal instead of a regular payment. This made my escrow short and no payment was applied to principal or interest. They are now claiming it is late and threatening a late fee. I talked to XXXX at PennyMac. 
They claim payment amount increased, but they never notified me. Thy stopped sending mortgage statements inXX/XX/2020.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 card

In Accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX Account ending in XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I purchased a credit report with XXXX After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, which are misleading to me. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts late will be removed. 
XXXX XXXX XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was breached with the Equifax hack, I have to place a freeze on my credit score to prevent any credit cards from being opened in my name.