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

I recently discovered multiple accounts on my credit report that do not belong to me. I immediately filed a police report regarding these accounts that appear on my report and submitted an Identity theft report as well. In addition, I contacted the consumer reporting agencies by mail to dispute the incorrect information, and shared copies of the police report as well. However, nothing has been done, and the fraudulent accounts still appear on my credit profile. Please Help! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no knowledge of the alleged fraudulent activity tied to my personal information. I have not authorized the use of my name, Social Security Number, or other identifying information in any criminal context, nor do I recognize any charges or transactions linked to this identity theft claim.
Product: Credit reporting or other personal consumer reports

Inquiry  from XXXX on XX/XX/year>. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Product: Mortgage

For the last two years, New Rez LLC did not make a timely payment from escrow to cover our flood insurance renewal. They are listed on the policy but each year claim they didn't receive the invoice. We also email it to them through their intake email address. This also doesn't seem to work. I have the email receipt sent on XX/XX/XXXX, but as of XX/XX/XXXX they still claimed to have not received it. 

Each year we have to call, resubmit the invoice and force them to send the payment express US mail. 

When I contacted them today to confirm the mailing address for insurance documents they said there isn't one and we have to use email. Since email isn't actually a required prerequisite for getting a mortgage and some borrowers may not have email, for example my XXXX XXXX XXXX father, this seems inappropriate and anti-consumer. 

We have never missed a payment, can pay our bills, in fact prefer to do it ourselves so we know it happened. NewRez won't let us, say this insurance is required by the government to be paid by them. This is fine, we pay the escrow, but then they don't do their part and at times makes it extremely difficult to get done evey we pre-planning. As the servicer of our loan, we find this behavior unacceptable. 

We had a similar problem with XXXX XXXX. That one was worse because they bought on our behalf a policy for {$3000.00} that we already had and only cost {$700.00}. It's clearly a scam to pocket the difference in insurance cost and what is billed against the load for the convenience of them buying the policy on our behalf. Except we didn't need that done. This entire charade was facilitated by them " losing '' our documents and proof of insurance and only notifying us XXXX weeks after the flood insurance due date had passed. 

These companies seem to make navigating these extra 's on the loan as difficult as possible to XXXX up additional profit. 

We should be able to pay our loan without any gate. Currently new Rez doesn't accept extra payments because we already pay biweekly. 

We should be able to have our insurance payment paid in a timely manner without undo effort required by us to get them to do so. 

We should be able to mail them documentation as needed. 

We should receive confirmations of the mailed and emailed documents upon receipt and we should receive timely notification when they are missing. Not the day before the payment is due ( which got me to call them to see why they again hadn't mailed the check for our insurance ). Or XXXX days after it was due ( like the letter for non-payment we received last XXXX ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts has violated my federally protected consumer rights to privacy and confidentiality. Under the law 15 USC 1681. ( Convergent Account number 1234 ) Replace this with the accounts being disputed has violated my rights.

15 USC 1681 section 602 A States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Fortiva authorized a fraudulent credit card at XXXX XXXX XXXX in XXXX in my name in late XXXX. I learned of this and reported it to Fortiva early in XXXX. 

I filed an affidavit of FRAUD in XXXX of XXXX. Fortiva sent an acknowledgement by email on XX/XX/XXXX, that I had reported the account in my name at Fortiva as fraudulent. 

In XX/XX/XXXX, despite my reporting this fraud, Fortiva reported my account as delincuent to credit agencies. They continued to make monthly derogatory reports on my account until XX/XX/XXXX. 

Fortiva sold this account to XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, well after my written and verbal reports and Fortiva 's acknowledgement of the fraud. XXXX 's attorneys, XXXX XXXX XXXX, XXXX XXXX, called me in XX/XX/XXXX. I explained to XXXX XXXX that the account was fraudulent. And XXXX XXXX confirmed that his firm reported the account as fraud and returned the case to XXXX. XXXX has not reported the account as delinquent on my credit. However, FORTIVA 's negative reports to credit agencies from XXXX through XX/XX/XXXX have not been removed. 

This account continues to be reported on my credit report, and is causing serious damage to my credit. My credit score has dropped XXXX points, limiting my ability to obtain a mortgage on a home under contract. 

We have been calling Fortiva, XXXX and XXXX XXXX XXXX for several weeks to remove this report of fraud & they refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX notified the credit agency and XXXX XXXX XXXX that they were removing the listed debt from all reporting and were no longer seeking payment for the debt. Several notices have been sent to the company asking to remove this innacurate debt from my file. I do not owe this debt. XXXX has not been able to present any documentation from XXXX XXXX XXXX  stating that I still owe a debt to XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My cash app card was deactivated and i was told it can be for many security reasons but i dont understand why my card was deactivated when i been using cash app for the last 3 years
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my son were lied to by XXXX XXXX back in XXXX of last year we were promised for rebates for signing up for their service only one of which we received and I said spent a obscene amount of time calling and emailing and even texting the representatives to have them correct the situation which was never done in addition to being charged nearly {$250.00} a month for the two lines when I was promised that the two liens would be {$50.00} per month I even had to takeoff of work to call them because it got so ridiculous and I filed a complaint with the XXXX XXXX XXXX and I have also already previously filed a complaint with your agency before they reporting to my credit bureaus which they just recently did and they need to take that off of there if they would like to take legal action against me they are welcome to do so aside from my credit report and I would be glad to show up for that with my son as a witness. They cost so much frustration in our lives during a time and which me and my son had a positive Covid test and were quarantine to our home and I was trying to do work from home with him home when as I told XXXX when I called them me and my son both have XXXX  and also XXXX which I have recently been diagnosed on that spectrum as having as well as the ADHD diagnosis and I told them of these medical concerns at that time when their representatives were unwilling to help me and also of our medical concerns pertaining to XXXX. I do not owe them the amount of money that they are claiming that I do in fact I should not owe them any money at all for the problems that they caused in my family life as during that frustration I ended up losing my job and have still been unable to obtain employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hate to submit another complaint but Calvary Portfolio is not fixing errors on my report. I've sent 4 disputes already and they keep saying they fixed errors and verified account with the 3 credit bureaus. I attached a copy of what they are reporting. As you can see Date last active is different across all 3 reports. I was never active on this account. If I was why would Date of last payment be left blank? They are violating my consumer rights, I do not owe Calvary Portfolio a cent. If you read the comments it says account information was disputed by me already and look at all the inaccuracies and incomplete information on my report. I went over all disputes and credit report with my attorney and he confirmed they are in violation of the FCRA. They are also harassing me for an alleged debt I do not owe them. Also my attorney said collections are supposed to be reporting as closed. Not sure why this is reporting as open.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 

I feel i was negatively impacted by, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 

Show proof or Delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion, XXXX, and XXXX after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last request and hoping that these accounts ' lates will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX XXXX : {$10000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/23 XXXX and XXXX XXXX transferred ( ACH ) {$62000.00} from our Savings account ( XXXX ) at XXXX  XXXX XXXX to Wells Fargo XXXX XXXX XXXX XXXX XXXX as a final payment for a new XXXX. Order and confirmation number XXXX. The money was never received by XXXX and Wells Fargo has not responded to the recall of the funds. Recall # XXXX. I have spent hours on the phone with XXXX  XXXX XXXX with no help ( we have been customers for 39yrs )
Product: Credit reporting or other personal consumer reports

today i logged into my credit file to see Experian has reported and updated my profile with inaccurate information in my credit file Experian has reported XX/XX/2023 and XX/XX/2023 as 30 days late when they were paid on time. in my Experian credit profile it states XX/XX/2023 was 30 days late and XXXX XXXXXXXX  30 days late. Both months cant be 30 days late, the account and both month was paid on time never late and closed.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX  - XXXX, XXXX - XXXX, XXXX  - XXXX XXXX  - XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like the following numbers removed they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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

A man named XXXX XXXX calling from DCI makes repeated attempts to collect an invoice for my attic repair damaged during hurricane XXXX. I had a contracting company fix the attic and an invoice was sent to my insurance claim and am awaiting the payment. The XXXX is aware. XXXX from DCI continues to call threatening on my contractors behalf he claims to send me to collections if I do not pay half of what he claims is owed. Furthermore, he is now calling my significant other harassing him for payments. There has been no letter in the mail regarding this and he is extremely aggressive. Please help in this matter. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Debt collection

I had a charged off debt with Capital One and never received any information that the debt was transferred to a collection agency. I received a letter from my local court that I was being sued for the debt. I could not validate the debt with the collection agency as I was not aware of the collection agency. I received notification about the lawsuit in XX/XX/XXXX and the court date has been postponed to XX/XX/XXXX and now XX/XX/XXXX. The debt was charged off in XX/XX/XXXX for {$1800.00}. If the debt was charged off, does that mean it was sold to another creditor? I disputed the inaccuracy in the reporting of the debt and was told that the information is correct. There are three different dates for last activity. I submitted three dispute letters and they will not remove the inaccurate reporting which they are required to do by law. i want the account removed from my credit report and the lawsuit dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report erroneous information on my credit reports. The account is reporting a charge-off as the first entry in the payment history and shows shows incorrect opening dates. The accounts also has been re-aged with the credit bureaus which is a clear violation and it makes it appear as if they are newer than they should be. I have disputed the XXXX XXXX XXXX account on my credit report two separate times with the latest attempt on XX/XX/2019. If the information being furnished is accurate why are there different dates reported? The results are that these disputes are still being furnished as verified despite no real investigation being done.
Product: Debt collection

I do have credit cards. 
I do have credit cards with Comenity bank. 
i recently changed phones/phone carriers which made all my blocked numbers go away. 
Suddenly I am receiving multiple phone calls from this number for a XXXX. 

I am not XXXX. However when I call in they use it as a way to get to me. When I say my name is XXXX, they say ... oh well we have to read you this stuff ... Well how can we know its XXXX XXXX unless we record you and you verify? 

I never said I was XXXX XXXX. 

It was the bait and switch tactic. I am tired of companies doing stuff like this. Its unethical.
Product: Mortgage

I sent a debt validation letter for SPS to respond to on XX/XX/2018. SPS refused to respond to the letter, and they put my house in foreclosure. CFPB and the federal law states that the lender must respond to the debt validation within 30 days of receiving the letter. I want SPS to follow the law and respond to this letter. The letter was via certified mail and I have a return receipt of the letter. Please send this letter to SPS and please give me a response back as soon as possible.
Product: Debt collection

Upon checking my credit report, I found several accounts that I believe were added without my consent and are incorrect. Please remove these fraudulent accounts right away.
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my TransUnion consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDate opened- XX/XX/year>. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Account # - XXXX To whom it may concern : This letter is being sent to you for VALIDATION OF DEBT ON THE ABOVE REFERENCED ACCOUNT as noted in my Credit Bureau Report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a verification or proof of my mailing address, but a response for VALIDATION made pursuant to the above names Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : *What the money you say I owe is for ; *Explain and show me how you calculated what you say I owe ; *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Identify the original creditor ; *Provide that the Statue of Limitations has not expired on this account ; *Show me that you are licensed to collect in my state ; *Provide me with your license numbers and Registered agent At this time I will also inform you that if your offices have reported invalid information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or TransUnion ) this action may constitute fraud under both Federal and State Laws as well as, *Violation of the Fair Credit Reporting Act *Violation of Fair Debt Collection Practices Act *Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could considered detrimental to any of my reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying and account as accurate when in fact there is no proof provided that it is. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed form my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with and third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose. 
Best regards, Certified Mail Return Receipt