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

Regarding the fraudulent information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. Below is the list of the fraudulent items I found on my Credit 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  Opened XXXX. XXXX, XXXX Balance {$5800.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXXI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$100.00} XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX 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. 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 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 I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove the fraudulent accounts and information off of my Credit File, Please do so.
Product: Debt collection

XXXX $ credit card from value City XXXX XXXX for two beds for XXXX  years bought in XXXX paid in full XX/XX/XXXX last payment was XXXX just in less one year paid .... from that day keep charging me fees and report me to credit report and destroyed my score from very good to bad I called them and closed my account they charge me XXXX fees for a plan protection and I did cancel it by sending them sign papers to FL company they didn't answer my phone or I found out its fraud company they didn't come and fix my beds... so I don't have any solution just to take them to the court if they don't stop bothering me with a false fees
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) but they are failed to respond in my complaint. It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I filed a complaint through the CFPB on XX/XX/XXXX, because Ditech Financial was mis-stating our actual escrow balance, and misappropriating extra monies paid to the escrow fund rather than to the principal of our loan, as was our intent.  We requested Ditech send us a corrected escrow analysis, show the actual amount in this fund, and to also reduce our escrow appropriation amount to $XXXX per month.  Ditech did update the analysis.  It is now showing what I believe to be a fairly accurate balance amount.  However, they are still showing that there is a shortage of $XXXX in this escrow fund, which is simply not true.  They still want us to pay more per month, based on this perceived "shortage".  Even by their own projection of fund balances, it never runs out of cash, and in fact, gets to $XXXX, which they now say is a shortage of $XXXX  They base this on what they call a "minimum escrow balance" needed of $XXXX.  I see no reason they need to have nearly $500 of our money, as a minimum escrow amount.  I could live with say.. the $XXXX that it currently shows as the minimum it will currently drop to.  Why do they need more than that?  They do not.   Also, I requested in the last complaint that the escrow amount of our mortgage payment get dropped immediately to the correct amount.  However, in the current statement (on paper and online), they are still showing that they are going to apply $XXXX for the XX/XX/XXXXmortgage payment, which will once again take away from the extra payment we are trying to pay toward the principal.
Product: Credit card

a Fraudulent account was opened under my name without my knowledge or consent. I contacted the company 's customer service and fraud departments to inform them of this. 
I was told that I would be sent a fraud statement. They never did. They have harassed me via telephone ( my cell ) and I am now receiving letters from a collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card is furnishing inaccurate and incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 
Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. Because I dont recognize these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent Experian a letter informing them of unauthorized collection on my consumer report. I requested them to be removed from my consumer report they have not responded back to me.
Product: Debt collection

Someone stole my Identity in 2014. I filed a police report. Many creditors took action to fix the situations that arose. But XXXX collector is pursuing me for a supposed apartment rental I did NOT rent in ANOTHER STATE, EVEN AFTER I SENT THEM THE STANDARD LETTER FROM THE FTC as the FTC advises. 

The dead give-away is that they always have my name wrong, as is the case with this collector ( Fair Collections & Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX XXXX www.fco.com ). 

They keep telling me I need to complete their form which asks for a litany of my personal information that THEY ARE NOT PRIVILEGED TO. 

I even included a copy of my police report with the standard FTC letter. THEY REPORTED ME TO THE CREDIT BUREAUS!!! 

How is this allowed when they do NOT even have my name correct and I 've provided proof of identity theft?
Product: Credit reporting or other personal consumer reports

To whom this may concern, after checking my credit reports I have found some false inquiries listed on my most recently reviewed consumer reports, there are unverified inquiries that does not have accounts attached. Also, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
Inquiries Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting validation of debt, but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these inquiries reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. Starting XXXX  days from the date on this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the inquiries from my consumer report without prejudice.
Product: Debt collection

A claim was made against me in the amount of {$2800.00} from the company Ford Motors Credit. I haven't received any information about this debt. Account date is XX/XX/2013.
Product: Credit card

I have contacted XXXX XXXX and Citi Bank to request that I no longer receive credit card offers, and continue to receive an offer almost every month. Attached is the email conversation I had with XXXX over a year ago, I have returned information to Cit Bank numerous times without any success stopping the offers. Cit lists a phone number to apply for the card, but none for stopping offers. I have registered with pre-screen opt-out.
Product: Debt collection

I recently received a copy of my credit file from three major credit bureaus and contain inaccurate information by your company. The report contains an amount of : {$1100.00} Account # XXXX. I did not make or authorize this charge. I am requesting that the charge be removed on all accounts from your company record and remove ASAP from three major credit bureaus. Disputed Account # XXXX Original Creditor XXXX XXXX XXXX XXXX. Total Amount Claiming : {$670.00} and {$960.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services LLC and XXXX denied to freeze my report
Product: Consumer Loan

I am XXXX military member ( XXXX ) with the XXXX. Chase Auto Finance is refusing to pay on the GAP insurance/waiver coverage that I purchased at the time I signed the financing agreement. While stationed at XXXX I purchased a XXXX Cadillac ATS Premium and financed the vehicle with Chase Auto Finance. When I purchased the vehicle the original financing agreement included an option to purchase GAP insurance for an additional {$690.00}. The provider of the GAP insurance was " XXXX XXXX '' however I was also required to sign a GAP Waiver Addendum which stated that what was purchased was not insurance, but an agreement for Chase Auto Finance to Waive any deficiency in the event the vehicle was totaled. Chase Auto Finance agreed in writing for me to ship my vehicle to XXXX when I received military orders re-assigning me to XXXX. The letter explicitly authorized me to drive the vehicle here in XXXX while I am stationed overseas. The vehicle was totaled in an accident. Now Chase is refusing to honor the GAP insurance/waiver provisions because the loss occurred outside of the United States or XXXX. They are also refusing to release the lien on the vehicle so that the salvage value can be recovered and sent to the bank. I simply want Chase Bank to honor its commitment to cover the deficiency between the insurance payout and the remaining balance on the loan ( {$1300.00} if the salvage value of {$8000.00} is paid ).
Product: Debt collection

IC Systems is attempting to collection a debt on my credit file that I do not owe. The original creditor is XXXX XXXX I did not receive any notices or letters of this debt. I only knew of the debt when I had my credit checked. As soon as I found out I called and paid it.This is a violation of my 30 day right to dispute and request that this debt be removed of off my credit. This debt is no longer owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is to formally advise you that this debt was settled and a paid-for deletion was processed through true accord. True accord is a third-party collection agency that represented Affirm. This debt was paid in full for a full deletion through an associate by the name of XXXX. All phone calls were recorded and monitored through the company. I am asking for a full deletion off of my credit report. Attached is a report from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit acceptance account was opened XXXX. The car was stolen and I was unable to continue payments in XXXX. In XXXX or XXXX the wrote the account off as a bad debt. Then recently they ran my credit without my knowledge and reopened this same account amd started reporting it as non payment after they already wrote it off.
Product: Student loan

A few years ago I noticed that I had 120 day late payments on my credit report from student loans while I was still attending school. I contacted my servicers for years about these late pays and inaccurate reporting 's. It was n't until earlier this year that I had even been told about the Forgiveness payment income plan. Navient refuse to work with me on multiple occasions after I had graduated and was enrolled to start my XXXX XXXX XXXX at another college but was waiting for the start date but because my end date with XXXX XXXX and my beginning date with XXXX XXXX University was outside of six month. They also started marking my loans late again even though they seen I was getting ready to go to school and told them I had no income and they refused to fix my credit report. For years now I have had to pay higher interest rates or been denied credit due to these late pace or inaccurate reporting 's not to mention I was never informed of the income payment plan until a friend of mine told me about it. I also just became aware of the XXXX XXXX College lawsuit for students like myself who were crowhurst into attending school there being told that are credits we 're good credits and transferable to other schools and then they were not {$28000.00} later I had went to school for 4 years for a XXXX XXXX that never really existed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

This is the second time I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 reporting or other personal consumer reports

You have committed a Trespass by way of Material Misrepresentation, Fraud, Negligence, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and, Texas Business and Commerce Code Sec. 521.051. You are a financial institution, and data furnisher who shared, disclosed, and transferred, my nonpublic personal information, personal identifying information, and identifying information to a nonaffilliated third party, and consumer reporting agency without my consent pursuant to 15 USC 6801, Texas Business and Commerce Code Sec. 521.002, and Texas Penal Code Sec. 32.51. You did not legally obtain consent to sale, transfer, or disclose any account information, or nonpublic personal information with any other third party, or nonaffilliated third party as regulated by 15 USC 6802 of the XXXX XXXX, GLBA. Additionally, you failed to provide me with FULL disclosure regarding your intent to do so. Failure to provide FULL disclosure of material information is an unfair method of competition, and unfair and deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Product: Debt or credit management

I only contacted one of my credit card company. I made a payment of {$40.00} and he advised to keep making payment to bring the account current. This is for my XXXX XXXX ( XXXX  XXXX ) account. My XXXX  credit card is coming together slowly but surely. The other credit cards, I would like removed or late payments remove so I can bring them current.
Product: Debt collection

I 've been getting calls for MONTHS from different numbers and different states. They do not state where they are calling from but when I look them up online everyone says its debt collectors. All they say in voicemails is I need to call them back regarding an important financial matter. I 've blocked all numbers they call from and they continue to call from different out of state numbers RELENTLESSLY. When you answer, they just hang up on you they do n't even speak!!
Product: Mortgage

On XXXX XXXX we received a letter from BancorpSouth stating that our loan will mature on XXXX and that they will not renew the loan. They are requesting payment in full for the balance of the loan by XXXX ( {$150000.00} ). We would not be able to do this. Our copy of the loan shows the maturity date to be XXXX and the loan number on our copy is difference from the XXXX on the letter we received. 
This loan is for XXXX commercial buildings in XXXX, XXXX XXXX
Product: Credit reporting

I recently reviewed my Equifax Credit Report. I continue to view Inquiries made on my Equifax Credit Report that I do n't recall authorizing. Equifax continues to reply to my disputes regarding inquiries with a standard response EVERY SINGLE TIME. The response is the following " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, Please contact the creditor directly and follow their internal fraud procedures. Written confirmation has been mailed to you ' ''. This is contradictory to several of my previous disputes through CFGB regarding inquiries displaying on my Equifax Credit Report. The following are the case numbers with CFGB that Equifax did not reply with the standard response and had the inquiries removed, XXXX & XXXX. I am requesting that Equifax remove the following inquiries from my Equifax Credit 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 ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) 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 If after the investigation Equifax believes that the inquiry are legitimate I demand that Equifax provide me the name of the Equifax Representative who conducted the Investigation and the name of the individual ( creditor ) that was contacted to confirm that the inquiry was legitimate. Furthermore, if such evidence exist I demand that Equifax send me a copy of such alleged documents so I can verify it 's validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputing Information in Credit Report Hi I have been a victim of identity theft I resubmitting my paper as a plead for help, I have not had a car note in 10 plus years I have had one fraudulent car note remove already before that was not mine. This alloy bank has been a nightmare I have told them someone has stolen my identity and got a car not they have been making the payments with a fraudulent business bank account to cover there tracks I have attached a police report with the names of the bank accounts from XXXX XXXX XXXX  and XXXX XXXX. PLEASE REMOVE THIS fraudulent account. i have also reported the car and loan to the police. with those reports attached to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1990