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

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been led to request according to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX  XXXX credit card account- {$840.00} closed, and XXXX XXXX  loan accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX under the account numbers ( private ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$490.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$190.00}, and XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good morning my name is XXXX XXXX, I have a bit of a story with this and I hope you are willing to listen. 

In XX/XX/XXXX I was approved for a capital one Quicksilver one. I was highly appreciative of it since I have had credit issues in the past and I was happy to be given a chance. 

I used this card a fair bit but during my credit rebuild it appears I somehow disputed this card with the credit bureaus and on XX/XX/XXXX I received a phone call from you that the card is currently under dispute and will be locked. I was given the following contact information ; Please call XXXX XXXX XXXX XXXX extension XXXX. I will also attach the voice mail to this email for you to listen to. 

After I called her back I was told the account was disputed and is currently locked. Of course since I was going through a rebuild I was highly concerned about my credit since I knew there was an amount due on it I asked to pay this since I didn't want any issues with my credit. I was told since it was in dispute 1 ) I could not make a payment but not to worry since it was frozen and could not report late 2 ) If I wanted to reinstate it you could fax me a form and after you verify with the credit bureaus you would consider reopening the account. 

I faxed this paper to you on around XX/XX/XXXX give or take a few days. Again your representative told me I could not make a payment but not to be concerned. 

After reviewing my report it turns out the following has happened 1 ) XX/XX/XXXX you gave me a 30 day late payment I would like the following actions 1 ) Remove the late payment since it was impossible for me to pay and I was clearly told by the above agent I would have no late payments and not to worry I have tried to contact your staff including the person who helped me before, I have also tried to dispute this with the credit bureaus and neither has been successful. The fraud agent just take around 30 minutes and then tell me to write a letter. The Credit bureaus just verify both as correct data. 

Please help me. 

In the meantime you gave me a new credit card account in XX/XX/XXXX, which I currently still do use. 

Currently I have the following with you 1 ) Capital one Quicksilver one 2 ) Capital one Venture one 3 )  Checking account 4 ) Savings account My phone number is XXXX XXXX XXXX or XXXX XXXX XXXX. 

My full name is XXXX XXXX and the last four digits of the card involved is XXXX. 

I look forward to a response.
Product: Debt collection

credit bureau systems have attempted repeatedly to collect a debt that is not owed as a result of my x wife using my personal information to obtain anything possible she able to. the original creditor was XXXX XXXX   and have been no help in trying to resolve the issue. credit bureau systems have called me multiple times from different numbers and even blocked numbers. XXXX XXXX has refused requests for evidence relating too this account and claims it was a phone order and my name was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : 12 XXXX ) XXXX Balance : {$350.00}, XXXX XXXX  XXXX Balance : {$4700.00}, XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

XX/XX/XXXX I was told via written letter that after reviewing everything Navy federal still finds me liable for the balance. On XX/XX/XXXX I called to confirm their decision after I filed claim with CFPB and they said the letter sent out is correct and that is their decision. I want to know why is Navy being dishonest with CFPB by not notifying them that they are no longer working on the issue anymore since XX/XX/XXXX they made a final decision??? 

I have attached the letter they sent me with their final decision.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX  and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

My sister passed away without a will or assigned beneficiary. Her next of kin or survivor is her XXXX XXXX XXXX son. Her total assets is {$200.00}, making her estate non-probate in the state of Arizona. Chime is refusing to release the funds from the account addressed to her survivors name without probate paperwork. They are requesting a small estate affidavit and they do not have a payable on death affidavit or beneficiary procedures. XXXX is refusing to release funds outside of her estate name without the court paperwork. To file for a Small Estate Affidavit, it is {$350.00}, which is more than her total assets of {$200.00}. 
Chime has refused to speak over the phone, refused to escalate the issue to supervisors or higher ups, and will not discuss this further. 
From what I understand according to AZ state laws regarding rights of survivorship, intestate succession, and legal heirs, her son shouldnt have to follow any court procedures to receive these assets. Weve provided a signed statement of death from the funeral director, certificate of death and identification, however Chime still will not issue the funds to the legal heir under non-probate laws, Arizona XXXX XXXX laws, and whichever may apply to this situation.
Product: Debt collection

XXXX, from roundpoint mortgage, left a message using my and my wife 's name on a number covered by the Do Not Call List. I called the call back number on the recording and the ( actually really nice ) lady kept referencing a file but kept saying she could not tell why XXXX had called us on our home phone. I could see it maybe being a wrongly dialed number but he stated me and my wife by first and last name.
Product: Debt collection

1. Harrassed my elderly parents.

2. Refused to provide proof debt is owed.

3. Refused to identify themselves or the reason for the call.

4. Contacted me by email after I sent a letter to cease contact.

5. Refused to dispute of debt
Product: Credit reporting or other personal consumer reports

I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the experian, XXXX and XXXX credit agengies but it has came back as verified. That is not accurate. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof og the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. This creditor is reporting different amounts of debt on all three credit reporting agencies. Lets start with transunion. 
the account number is different that all the rest. it is reporting as {$3200.00} XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating XX/XX/XXXX, XXXXXXXX XXXX  Complaint Detail https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX XXXX Collection/Charge-off Status Open Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Dispute Resolved Reported By Grantor Account details No History Is Available Collection agency XXXX XXXX but on XXXX it says {$3200.00} XXXX XXXX XXXX  Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX  Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Account details No History Is Available Collection agency XXXX XXXX XXXX, then on Experian it has a totally different name. 
It says {$3200.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department, Account Previously In Dispute - Now Resolved - Reported By Subscriber Account details then says that it went into collection or charge off in XXXX and also reported in XXXX none of the other credit agencies has the months reported. 
this is not correct. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Credit card or prepaid card

The funds totaling {$790.00} were refunded to my account and I received a letter dated XX/XX/XXXX from Capital One stating : " We're happy to tell you that your fraud investigation with Capital One is now resolved. '' Over a month after that communication, they rebilled my account, again, for {$790.00}. Capital One said the dispute/fraud did not fall within the parameters of their contract with Visa and that I had to seek recourse outside of Capital One. Capital One confirmed they have not tired to reach XXXX XXXX to dispute this transaction. Today, XX/XX/XXXX, they tried for the first time but were unsuccessful reaching anyone at XXXX XXXX. 
They agreed they should not have processed the transactions on XX/XX/XXXX when I replied to the text notification from Capital One that these were not valid charges. They have no intention to take any other steps to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth in regards to my credit and identity theft results for more than 5 years and I am very frustrated. On my credit report with XXXX  I have an inquiry that is a result of identity theft because it is not mine and I have never given anyone permission to use/run my credit. The inquiry is : XXXX XXXX XXXX Inquiry from XX/XX/2019 On my credit report with XXXX  I have the following fraudulent accounts - XXXX/XXXX XXXX - XXXX - XXXX XXXX On my Experian credit report - XXXX XXXX - XXXX  - XXXX XXXX I continue to dispute these accounts as results of my identity theft with no success. All I receive are general responses saying they are valid with no proof. I have even sent police report information and identity theft report information and numerous FTC complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that BK OF AM have placed an inquiry on my XXXX credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both BK OF NA and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Debt collection

XXXX, forward correspondence stating I owe XXXX {$120.00} ; which I'm a current XXXX customer. I ask for billing information, to speecify my charges and what and how I owe. Yet, keep get new correspondences with my previous addresses.
Product: Checking or savings account

On XX/XX/23 I filed a dispute for XXXX for a transaction from XXXX XXXX. I never authorized this transaction and told the agents this numerous times. They then stated it is not under regulation E, despite me stating it is in fact unauthorized. I am due for a provisional credit as it is now XXXX business days and they are refusing against the Regulation and code set forth.
Product: Debt collection

On XX/XX/2023 XXXXrock and Scott PLLC on behalf of XXXX XXXX filed a lawsuit to attempt to collect a debt not owed as a result of identity theft. On XX/XX/2023 XXXX XXXX attempted to validate the debt through case number XXXX regarding the account ending in XXXX. Through the debt validation process, XXXX XXXX confirmed the debt was a result of fraud and I was not responsible for the amount in question. The creditor, XXXX XXXX has removed this item from my credit report, but Brock and Scott still have a lawsuit and are continuing to collect on a debt that is not owed.
Product: Credit reporting or other personal consumer reports

Dear Equifax, the following accounts are coming back as verified. These accounts doesn't belong to me. I am asking that these accounts get removed from my report. I did noticed the other accounts and inquires were removed which I greatly appreciate because those accounts were taking a huge toll on me since it was fraudulent.
Product: Mortgage

Carrington Mortgage Services LN  XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX  ,   XXXX   XXXX   CA   XXXX   On  XX/XX/XXXX  we started a short sale with  XXXX , who was the servicer at that time. It has since been transferred to Carrington Mortgage Services ( CMS ). On  XX/XX/XXXX we faxed a complete short sale package to CMS. On  XX/XX/XXXX  CMS claimed their BPO came in at $ 260k and they countered the buyer at this price.
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This price is not at market value and we have requested a copy of the BPO multiple times ( as per ECOA guidelines set forth by the CFPB ). CMS has outright refused to provide a copy of the BPO, stated they dont have to follow anyones guidelines, and insisted that the BPO came in at $ 260k.
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We have since received an appraisal done by a Licensed Appraiser adn the value came in at $ 197k. it is obvious CMS has manufactured the value of $ 260k and has therefore committed Valuation Fraud.
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Well, since we were planning to go after the BPO agents license for Valuation Fraud, we decided to discuss this with said BPO agent. The BPO agent emphatically insisted he did NOT bring the value in anywhere near $ 260k. That leaves the Fraud resting squarely on the shoulders of CMS not a surprise to us, actually. Every single file we have ever had with CMS has resulted in multiple CFPB complaints as a result of their FRAUD.
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1. CMS forecloses on properties to that they may steal the homeowners equity in the property.
2. CMS forecloses on properties for their own gain, and defrauds their investor out of a full-payoff of their loan 3. CMS forecloses on properties so they may transfer the file to their retail division which will collect money on the real estate side by listing and selling the property themselves Please read # 3 again CMS has THEIR OWN RETAIL DIVISION that will list and sell properties to the benefit of CMS.
CMS has violated ECOA guidelines by refusing to give a copy of the BPO that was done.
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CMS has committed FRAUD by establishing their own value CMS is refusing to give an appropriate value for the property in order to prevent the short sale from taking place. They are doing this in an attempt to defraud their investor and their own client, and the fraud is happening on many levels.
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I am sure CMS is going to attempt to lie to you, the CFPB, regarding the fraud they are committing. We are getting sick and tired of lenders telling us that they outright LIE to the CFPB, then laugh at us for thinking the CFPB would help.
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This is NOT the 1st time this EXACT COMPLAINT has been made against CMS. Not only are there thousands of other people that have filed complaints for these reasons, but we too have already filed complaints against CMS for these same reasons. We would be happy to provide evidence of this upon the CFPBs request.
Product: Credit reporting

I start making payments to XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX on time for the amount of {$100.00} a month, and XXXX funding they said that already report all payments on time but is not in my credit report I want Equifax credit bureau to credit my report pay as agreed for all payments I have made on time to XXXX XXXX.This account was charge off by XXXX XXXX XXXX.