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

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft AMEX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Mortgage

I was previously on a disaster forbearance plan with a prior lender. I am in no position to repay the entire forbearance amount. I received a letter from Selene Financing that they're asking if the entire debt belongs to me and to repay the entire mortgage balance. I am also not in a position to repay the entire loan balance too or the forbearance balance. According to XXXX XXXX, " If the borrowers hardship is due to a disaster event, the servicer is authorized to offer a forbearance plan without achieving QRPC ... '' The servicer must make every attempt to achieve QRPC. The purpose of QRPC is to -determine the reason for the delinquency and whether it is temporary or permanent in nature, -determine the occupancy status of the property, -determine whether or not the borrower has the ability to repay the mortgage loan debt, -educate the borrower on the availability of workout options, as appropriate, and -obtain a commitment from the borrower to resolve the delinquency.
Product: Debt collection

More than several times this company has been toying with my credit reports and listing and delisting this collection account on my credit report i have complained several times to this agency about their illegal practices, at this juncture I will like this company to be reported to the FTC ( XXXX XXXX XXXX ) for abusive practices, and numerous violations of FDCPA rules. In a previous complaint number XXXX that has been closed, the company removed the false reporting from the credit bureaus but continued to send me notices and i responded to their notices the same way i have in the past they have then said they have already responded to me and now considered this matter closed, but again i check my XXXX  credit report today XX/XX/2020 and see they have AGAIN resisted and placed this collection item back on my credit report after the removal It seems that XXXX only removed the item to have the original complaint closed only to relist it again on my credit report. The LAST LETTER i received from XXXX was DATED XX/XX/2020 and not even 2 weeks later they are again reporting this false item on my report without even waiting 30 days for a response yet again another violation from this agency, and when i do respond they are basically telling my response will fall on deaf ears as they now consider the matter closed. I have no debt with THIS collection agency. I have not agreed to the " assignment '' of the debt in writing or verbally. I have not received goods or services ( consideration ) from this collection agency. Your agency has sent a letter deeming this matter closed as your agency removed the account from my report and to date I find it relisted for the more than fifth time on XX/XX/2020, I will be taking more aggressive action against your agency, If your ( XXXX ) agency fails to immediately remove fraudulent reporting on my credit reports which will result in a suit for monetary damages. I request that you and your agency provide me with the following good and valid evidence that is provable in a court of law : 1 ) a valid copy of the original SIGNED contract with the original creditor or an original written confirmation of evidencing the transaction resulting in the indebtness to the original creditor. Computer documents or a bill or electronic evidence created after default on the indebtedness shall not qualify as such documentation. 2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) A letter/contract of assignment attached with proof from the original creditor to XXXX XXXX XXXX, XXXX that grants XXXX XXXX XXXX, XXXX the authority to legally collect on the debt ; I have not agreed to the " assignment '' of the debt in writing or verbally. 4 ) Proper and complete written notice concerning the debt ; 5 ) Valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party.
Product: Credit card or prepaid card

On XX/XX/XXXX my wife called B of A at XXXX XXXX XXXX the lady refused to talk to her since she was not the primary card holder so my wife was irritatated AND TOLD THE LADY TO CANCEL HER CARD IN RETALLIATION THE B OF A EMPLOYEE DECIDED TO TAKE THE LIBERTY AND CANCEL MY CARD UNBEKNOWNS TO ME. I DISCOVERE WHEN I WAS IN XXXX COLORADO AND WAS DENIED CREDIT A RESTAURANT I STILL OWE THEM {$2100.00} minus a recent {$400.00} payment. THINK ABOUT IT WHY WOULD I CANCEL THE XXXX XXXX CARD IF I OWED THEM MONEY? i HAVE HAD THE CARD FOR MANY YEARS AND BEEN A LOYAL CUSTOMER APPARENTLY THEY WANTED TO GET RID OF ME. RECEIVED A LETTER DATED XXXX XXXX XXXX  2017 OFFERING ME NEW TERMS!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXXXXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Collection Account Request for Validation Dear Jefferson Capital Systems , LLC I hope this letter finds you well. I am writing to formally dispute the validity of the collection account referenced below as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and specifically under 15 U.S.C. 1692g ( often referred to as " validation of debts '' ). My full name is XXXX XXXX XXXX, and my account number is XXXX. XXXX Reference Number is XXXX According to my recent credit report, there is an entry for a collection account with the following details : - Creditor Name : XXXX Credit Card - Account Number : XXXX - Amount Due : None provided. 

I am requesting that you provide validation of this debt, including the following information : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A detailed account statement that outlines the amount claimed, including any charges, interest, or fees.

4. Validation documentation that verifies the debt has not violated any statutes of limitations.

5. Any documentation that substantiates your authority to collect this debt on behalf of the original creditor. 

Please note that until I receive this requested validation, I do not intend to make any payments or acknowledge this debt in any manner. Additionally, under 1692g ( b ) of the FDCPA, I request that all collection activities cease until the requested validation is provided.

I appreciate your prompt attention to this matter and request a response within 30 days from the date of this letter. 

Thank you for your cooperation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, equifax, are in violation of the FCRA and i can consider their violation an act of identity theft. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. They are reporting a dismissed Bankuptcy on my credit report. I am aware that XXXX receive information from a third party verification system known as a pacer system and then sells this information to other collection agencies. The Pacer system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. 
Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report
Product: Credit card or prepaid card

I have a Bank of America Rewards Card that I seldom use. I have had this card for more than 10 years and stopped using it regularly because of frequent credit limit decreases to right above the then existing balance. This has occurred twice during the time I have had the card with Bank of America. My credit limit has been {$5000.00} for several years. My payments are made on time and I have never been over the balance. My current balance is approximately {$2700.00}. Today, I received a notice that my credit limit has been again decreased to {$2800.00}. Just less that {$100.00} from my then exiting balance. They might as well have closed the card. This unfair and deceptive trade practice by Bank of America will cause my credit score to be artificially lowered because my credit profile will now show a credit card that has been " charged to the limit. '' B of A did this intentionally to harm my credit and punish me for not using its high interests fee laden card more frequently.
Product: Debt collection

My identity was stolen by my ex-fianc after a difficult situation involving my kids. After we broke up, she retaliated by using my information to open credit cards and other accounts in my name. I've already filed a police report, but I want to resolve this with the lenders who are unlawfully reporting this debt on my credit. I am not liable for any of this fraudulent debt, and I need assistance in addressing this situation.
Product: Credit reporting or other personal consumer reports

XXXX I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pull my Equifax credit report and saw that my report had errors on it from this particular account. Showing High balance is lower than owed balance, high balance is showing {$7600.00} and owed balance is showing {$9600.00} please removed this immediately from my report. 

XXXX & XXXX Account number XXXX High balance : {$7600.00} Owed balance : {$9600.00}
Product: Mortgage

My loan was transferred from XXXX on XXXX XXXX to Ditech. I have been making my payments on time. I received a letter from Ditech stating there is an escrow shortage of {$7900.00} on XXXX/XXXX/XXXX and stated that the payments would increase from {$850.00} to {$1000.00} on XXXX without explanation as to how there is a shortage on my account. I do n't understand how my payment for my escrow account could go up from {$100.00} to {$330.00} without a reasonable explanation. I tried calling to resolve without success and no answers to my situation. I received a history of account and it was so small that it was hard to read so I requested a new one that was in print I could read and they refused. I was able to tell that the account history does not provide an explanation for the escrow shortage. I did speak with XXXX towards the end of XXXX and I was told there was in fact an error made and I would have a response by the XXXX of XXXX and I called today with my counselor and the case is still in investigation. I sent a letter to request that the information be corrected or that an explanation be provided on XXXX/XXXX/XXXX and have still not received a response which according to regulations should have happened within 30 days. My first payment for the {$1000.00} is due this month and I do not have extra money to pay this higher amount ; this was expressed to Ditech and they said I still have to pay the full amount even though they have taken longer to investigate the case. My housing counselor spoke with XXXX and stated that I had no shortage on XXXX XXXX when it was previously serviced from XXXX. Counselor called Ditech during appointment and spoke with XXXX ID # XXXX who stated that I did not have an escrow shortage prior to loan transfer from XXXX in XXXX of XXXX and believes this is a mistake. Counselor asked that the issue be fixed before payment accrues late fees on the XXXX of XXXX, XXXX stated that the full payment must be made and stated the amount for the escrow would be refunded when it is resolved but I do not have extra money to pay {$200.00} more this month. I am now reaching out to you to help me resolve this issue with Ditech because I have not been able to get the issue fixed and they have not given me a date by when they will have this fixed.
Product: Mortgage

I went through a divorce this past summer. My ex husband was paying the bills but come to find out when he left I was behind on my mortgage. When I got noticed of the sale date XX/XX/ I was shocked to find out what was going on. I'm not able to come up with the full reinstatement however I'm able to afford the contractual payments. I submitted a modification package and I've been following up with Ditech and the foreclosure attorney daily to get updates. On XX/XX/ Ditech advised me that a request to postpone the sale was sent to the foreclosure attorney and the mod package was sent to the investor. You can verify this call if you listen to the call that took place on XX/XX/. TodayXX/XX/XXXX I call Ditech and was advised that they will not postpone the sale but they still have a complete mod package. I feel that Ditech should honor their word and postpone the sale to allow the underwriters time to review my modification request.I feel that Ditech is holding up the review so they can take my house away from me. I'm requesting help and need assistance. Please listen to the calls because Ditech tells me on every call that the call is being recorded. They should honor their word and postpone the sale.
Product: Credit card or prepaid card

Wells Fargo had a major service outage in XXXX of XXXX. I have been unable to access my Wells Fargo online account since that time. 

All of my statements were previously received exclusively through Wells Fargo online, which I am unable to access since XXXX of XXXX. 

I switched to another bank in XXXX of XXXX, because Wells Fargo was unable to help me re-establish access. This was after speaking with several people via telephone and in-person. 

I kept my credit card open, because it was my oldest card. But I stopped using it, because I was no longer receiving statements. 

In XXXX of XXXX, Wells Fargo reporting me to the credit bureaus for non-payment. This was surprising, because I had not been using my credit card. And, Wells Fargo made no attempt to contact me before ruining my credit. 

The charges were obviously fraudulent, because I had not been using my Wells Fargo credit card. I reported the charges to Wells Fargo, and they agreed to remove them. I have a letter in writing where they agreed to this. 

Wells Fargo reported me again in XXXX of XXXX. Apparently, they never removed the charges like they said they would. Credit score drops again... 

I still don't have any statements. Don't have any idea what these charges are. Or who made them. 

I visited a branch in XXXX of XXXX. They said they were going to open an " executive case '' or something. I've never heard anything. 

I blindly started sending money to Wells Fargo in XXXX of XXXX. I didn't want them to ruin my credit again. Apparently, I got everything paid off during this time. Although, I still didn't have any statements. 

I talked to someone on the telephone in XXXX of XXXX. Very rude and unhelpful. Completely denied Wells Fargo 's role in this fiasco. 

I started submitting complaints, letters, and disputes to various agencies. Trying to find someone who would help. 

In XXXX of XXXX, I received a XXXX  package. It had statements for my credit card account. But, not my checking account. I was able to verify that all of the credit card charges were fraudulent, and not initiated by me. I sent a letter to Wells Fargo, again asking them to remove these charges -- like they originally agreed to do in XXXX of XXXX. 

It also contained a letter claiming that there's records of me accessing Wells Fargo online. This is a little infuriating. I am still unable to login to Wells Fargo online. I suspect that their records are incorrect, or that they are incompetent. Or maybe, they just don't want to admit what's been going on.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.