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

On XX/XX/year> I filed a complaint with the CFPB against XXXX, XXXX and XXXX, due to fraudulent accounts listed on my consumer report. I was notified that the accounts in question were verified as accurate by the alleged creditor, however nothing I requested disputing these alleged accounts was returned to me. I requested that validation and proof of claim of the disputed debt was requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) 15 USC 1601 et seq. I specifically stated that this is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I have yet to receive such request and the information has not been blocked from my report and is still fraudulently reporting, damaging my reputation greatly. Amid submitting this complaint, I also submitted a copy of my FTC report as well. Delete these fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I've Sent Letters Made Phones calls to XXXX XXXX and Equifax about some troubling items I found in my credit report I've begged for theses items to be removed immediately from my credit report. because it is affecting my creditworthiness and I feel like this is very unlawful and unconstitutional. listed below are the negative items affecting me. I've also included the letters i've sent to XXXX XXXX Equifax that i know they received along with the ftc report their requested my proof of id and bill address are in the letters why are theses items being reported without my consent and knowledge. the companies job is to report fair and accurate imformation to my report and theses items are not. 

Account name : 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: Debt collection

I am writing to formally dispute the following inaccurate information on my credit report. Please consider this letter as my official request under the Fair Credit Reporting Act ( FCRA ) for the removal of the inaccurate information listed below from my credit file. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The information in my credit report is inaccurate and therefore must be corrected or removed to comply with the law.

Additionally, under 15 U.S.C. 1681i ( a ), I am requesting a reinvestigation of this matter. I ask that you investigate and resolve this dispute within the 30-day time frame, as required by law. Please remove or correct this inaccurate information and send me an updated copy of my credit report once the investigation is complete. 

Enclosed are copies of supporting documents ( such as my identification, billing statements, or other proof ) to help verify my claim. Please let me know if you need any additional information from me to resolve this dispute. 

I appreciate your prompt attention to this matter. Please send a confirmation that you have received this dispute and the results of your investigation to the address listed above. 

Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

in Early XXXX I noticed a unauthorized amount an credit card on my XXXX XXXX which I check weekly. I decided to check My XXXX account and I found 3 personal loans and 2 in correct addresses with several other hard inquires that were not mine XXXX was very helpful clearing up all except the personal loans and one address belonging to the fraudulent account. 
I have talked to Affirm XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX twice now the first time XX/XX/XXXX they stated they would clear it up the second time XX/XX/XXXX they could not find the accounts. Affirm has reported to XXXX that the reported the information has been and the information is accurate so they could not clear my report. 
Opened on XX/XX/XXXX {$2800.00} Balance now {$3000.00} Opened on XX/XX/XXXX {$400.00} Balance now {$440.00} Opened on XX/XX/XXXX {$420.00} Balance now {$460.00} address in question not mine never lived their XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I recently contacted XXXX 's Special Handling Department to inquire about a collection account that's being reported on my credit profile. I am not responsible for this account, have no knowledge, and have never had an account with that creditor at that address. I asked if the reporting creditor had provided proof of ownership for this disputed account. 
Surprisingly, I was informed that XXXX does not typically request validation documentation. Instead, they rely solely on a response from the creditor, deeming it valid. I then raised a crucial question : How does this process guarantee the accuracy of the reported account information? In response, I was informed about their operational procedures and advised that if I wished to challenge the accuracy, I would need to request this information directly from the creditor. Otherwise, XXXX would continue reporting inaccurate information. 
I emphasized that I had already raised this issue with the creditor through the Consumer Financial Protection Bureau ( CFPB ). In response, L.J. Ross Associates Company stated that the complaint did not belong to them. They mentioned the possibility of reopening the request but cautioned that if the creditor responds again with validation, XXXX will continue to report what the creditor wishes. This would leave me with no recourse but to file another complaint.
Product: Credit card

I received notification from third party monitoring that an account was opened with Comenity bank and delinquent. I started the process by calling the company to dispute it, and tell them it was a fraudulent application. They insisted I update my personal info with them so they could reach me after their 90 day investigation period. I have never done business with this bank and you will see that all information is synthetic ID theft. The application and original profile details are fraudulent and will not verify to me XXXX XXXX or XXXX. Please also have Comenity verify fraudulent IP addresses to open the profile and fraudulently apply for credit. Comenity is now saying the information on file matches to me- of course it does- they forced me to update it in XXXX. The original, historic information is false and will not verify to me. I am asking this acct be removed from my credit reports entirely. It has caused a domino affect and other cards are taking adverse action against me when they see this delinquent acct and it is causing financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries in all credit bureaus are unauthorized and I have tried multiple times to resolve this issue without any positive outcome I have had my credit account frozen, filed a police report and communicated with all three bureaus fraud department XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And XXXX  XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1000.00} are fraudulent accounts. My previous address was XXXX XXXX XXXX XXXX  XXXX, Fl XXXX I moved on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX, Fl XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account :
Product: Mortgage

In XX/XX/XXXX my father refinanced our home to pay off some remodeling debt. He signed this loan not knowing what a negative amortization loan is. Over the years He paid the mortgage on time never missing any payments but only making the minimum payment on the loan, without knowing that the balance of it was getting larger. So then the loan was sold 2 separate times. My father passed away in XX/XX/XXXX and I now have this loan which was automatically converted to an interest only loan with Nationstar Mortgage. I have been living in the house so I continued making the payments till suddenly the payment went from XXXX to XXXX. I do n't know what to do. I called the mortgage company and they told me that if they modify the loan it would only go to XXXX per month. I will soon be getting foreclosure notifications. I asked them if they would take partial payments and they said they would just sit in limbo. I know that Neg Am and Balloon loans are illegal but I do n't know what I can do about it.
Product: Checking or savings account

Opened bank account in my name, ssn, address but wrong email and phone numbers.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX- {$15000.00} Charge-off- account # XXXXXX/XX/XXXX/ XX/XX/XXXX- {$1500.00} Account XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This late payment isn't typical of my usual payments. Kindly update my account and remove it.
Product: Credit reporting or other personal consumer reports

Syncb/PPC Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., FDCPA, and Pennsylvania XXXX I am writing to file a formal complaint against Syncb/PPC XXXX XXXX at XXXX XXXX XXXX, XXXX, PA XXXX XXXX for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681i, among others. 

Syncb/PPC has inaccurately reported an account on my credit report as charged-off. However, this account was charged off and subsequently sold to a debt collector. Given that Syncb/PPC no longer owns this account and has been compensated for it, the persistence of this trade line and/or data point on my credit report is incorrect and misleading. Furthermore, my successful court victory against the junk debt buyer further substantiates the inaccuracy of the trade line. 

Additionally, the reported charge-off amount is erroneous. Prior to XX/XX/year>, I had made substantial payments towards this account, which are not reflected in the reported balance. This misrepresentation has unjustly impacted my credit score and financial standing.

Pursuant to 15 U.S.C. 1681s-2 ( a ), Syncb/PPC is required to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under 15 U.S.C. 1681i, as a consumer, I have the right to dispute the completeness or accuracy of the information in my credit report, compelling Syncb/PPC to rectify any inaccuracies found.

Syncb/PPC 's refusal to amend this inaccurate trade line despite my disputes and supporting documentation violates these FCRA provisions. This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system. 

I request the Consumer Financial Protection Bureau to intervene in this matter and compel Syncb/PPC to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX off XX/XX/2016 misinformation on all three-credit reporting in which the account sent to two other collection agencies, and four the past XXXX years paying repair companies and reinvestigations. on and about i called XXXX XXXX XXXX and was forwarded to another collection company in XXXX and was paid in full, XXXX shows thansfer Transunion and XXXX shows Charged off with different dates. 

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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to my consumer to any. Consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Remove these accounts from my report. 

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

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed a negative account from my XXXX  file, XXXX XXXX which I never owned, then dropped my XXXX score from a current XXXX to a XXXX ... .while I have nothing but current paid credit account, along with increased credit lines over past 2 months from accounts ... my score is being low based by their system
Product: Mortgage

Mortgage was moved from XXXX XXXX to Mr Cooper on XXXX XX/XX/2023 Mr Cooper onboarding said that the auto pay would transfer and that I would be able to see this on their web portal from XXXX XX/XX/2023. 

XXXX XXXX were unsure if the autopay would automatically transfer, so I checked with Mr Cooper by telephone and they could not confirm. 

On XXXX XXXX I went to the web portal and it showed that no autopay was set up and that my XXXX payment was late, so I set up a one time payment for the next day and set up autopay from XXXX XXXX onwards. 

I checked again on XXXX XXXX and found that Mr Cooper had processed XXXX payments on that day and changed the auto pay to be from XXXX XXXX and added a further one time payment scheduled for XXXX XXXX. 

I called Mr Cooper and spent over an hour speaking to XXXX in Escalations who was able to cancel the second payment but was unable to cancel the scheduled one time payment or update the autopay- she told me it would all be resolved within 24 hours. 

I checked at 24 hours, 48 hours, 72 hours and 96 hours and the problem was not yet resolved. 

I called Mr Cooper again on XXXX XXXX and was told that nothing could be done and that I needed to wait until the following day. 

I called Mr Cooper again on XXXX XXXX as the problem still exists. I spoke with XXXX in escalations who said they were having IT issues and had no idea when or if the problem will be fixed. So I asked to speak to a manger and she refused to connect me and said that it was policy that I had to wait for a call back which could not be guaranteed but should be within 48 hours. 

At this point, I have no idea what payments have been requested, or taken, or scheduled and I have no idea whether I am up-to-date with payments or if I will go into default in XXXX or what I need to do to stop that happening. I never had a single issue with XXXX XXXX but Mr Cooper, whilst promising an increase in service, =have been terrible and continue to be so. 

Surely there must be some way I can stop my mortgage being purchased by this inefficient and disreputable organization? Or at the very least some way to ensure they meet minimum standards of fiduciary responsibility? 

Please can you help?
Product: Credit reporting or other personal consumer reports

I have fraudulent inquires on my Transunion credit report that are not tied to an account. I've been a victim of idenity theft in the past. I would like those inquires removed. 
Thank you
Product: Payday loan, title loan, or personal loan

I was told ( and call was " recorded for quality and training purposes " ) when calling to make payment for XXXX that I didn't owe anything because I had paid ahead on the loan. Both automated and actual person owed {$00.00} for XX/XX/2023. I then found I was reported as delinquent for XXXX to credit agencies. I paid the {$17000.00} loan off in full in XXXX. But still shows I was delinquent in XXXX. I was not. Have had numerous calls, so many I have lost count, and also emails go completely unanswered.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX ( XXXX ) I called customer service and let a supervisor know that I was requesting the information needed and was not supplied the information reported for the findings of the investigation and was told I would not be receiving it I asked for a number to find the call we had together and was given XXXX as reference to the call
Product: Mortgage

Unaware of the agreement I entered with this company finally realized my line of credit is scheduled to end by  XXXX   2018 . I received a letter from the company advising my options. I applied for a modification and was sent a letter in  XXXX  that I was not interested in any options. This was not true and was advised by a HUD certified counselor to send a letter explaining this to them. I was told by one of there reps to resend the financial packet and this was done on  XXXX   XXXX  via fax. I recieved a call by a rep from there office very nasty and threating that I was going to be foreclosed on if I do not send in the money and they did not receive any documents from my  counselor.   I have proof of this in my file. My health has taken a toll from all this. I am  XXXX  yrs old and I do not know what to do at this point.
Product: Credit reporting or other personal consumer reports

Inquiries was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Items to Dispute : Credit Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XX/XX/XXXX {$300000.00} XXXX  XXXX {$0.00} Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX XXXXXX/XX/XXXX {$8500.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$8500.00} XXXX  Duplicate XXXX XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXXXXXX {$7900.00}
Product: Debt collection

On XXXX XXXX XXXX  I visited XXXX XXXX XXXX XXXX in XXXX, TX for treatment and presented my insurance. After treatment, I was sent a bill as my co-pay for about {$280.00} from my Insurance company ; XXXX XXXX XXXX. I paid the bill and assumed my dealings with the situation were over. It was not until I was processing for a federal position recently and a credit check was ran that I was informed of a collection debt of {$980.00} on my credit report, which has brought the process to a halt. I called the agency and found out I was being charged a 'doctor 's bill ' for that same service and after contacting the insurance company and filing a complaint I was told that the bill was submitted past the allowable time and thus, they were not liable to pay it and neither was I. I will attach the correspondence to this complaint. I also found out that the bill was sent to an erroneous address which is why I had no idea about it and it was subsequently forwarded to collections. I tried to get a detailed bill to send to my insurance company but the collection agency ; United Revenue Corp, never sent it despite promising they would. I am suspecting foul play because my insurance company told me the two doctors ' bill were approximately {$14.00} and {$45.00} when they were sent to them past the period. I do not know how the bill could have then ballooned up to {$980.00}.