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

Despite our previous attempts, I regret to inform you that these items still persist on my record. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other for when I can expect to see these fraudulent items removed from my credit report. 

I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023.
Product: Debt collection

I received a threatening phone call screaming and demanding that I pay a debt or he will take me to court. I could not even understand or ask what the debt was. This was from Internal XXXX XXXX XXXX XXXX XXXX I just received a letter in the mail that states I owe XXXX for a XXXX XXXX I can not get any information to dispute this with the debt collector because I am scared to contact them. They are very aggressive and do not give me information. I am demanding to see what this XXXX I owe is for.
Product: Student loan

I have an SUBSIDIZED loan that is been charge interest on, I believe that reason that this particular loan is SUBSIDIZED so I don't have to pay interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( XXXX. XXXXXXXX XXXX1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 


8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 


9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Bank account or service

There is an ongoing dispute between myself and Scottrade Bank that has caused me to loose access to my funds and suffer hardship as a result of Scottrade Bank 's delays on letting me access my account. 

Specifically, I submitted a complaint against Scottrade Bank and the OCC for what I would consider to be illicit actions by a Scottrade Bank employee, regarding the handling of customer information and critical financial information. Days after sending the complaint, Scottrade Bank locked my account, but failed to inform me of this action. Weeks later, when attempting to access my account, I noticed that my account had been locked. 

I called XXXX who said I needed to call the local branch. I then called the local branch and they said I needed to call XXXX. I was caught in a catch-22 with no access to my account or my funds. 

I am writing this complaint as well as providing the attached in hopes that the CFPB can investigate the fraud at Scottrade Bank and mediate a helpful resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a debt collector shows up on my credit report when this is inaccurate. we called XXXX XXXX and provided the act # : XXXX at XXXX and they could not locate my name or account number, or phone number. We need to have this inaccurate debt removed from all credit bureaus, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all the paperwork that the credit bureaus ask me to send them to have the accounts remove from my credit that are not mine
Product: Debt collection

ACCOUNT NUMBERS : XXXX XX/XX/year> To whom it might concern, I am writing to file a formal complaint regarding a debt collection issue with National Recovery Agency, located at XXXX XXXX XXXX, XXXX, PA XXXX. The company is attempting to collect a debt from me in the amounts of $ XXXX {$810.00}. However, I do not owe these amounts, nor have I ever conducted any business with this company or entered into any agreement related to these debts. 

I believe there has been an error or a case of mistaken identity in this matter, as I have no knowledge of the debts they claim I owe. Despite my efforts to resolve this issue directly with National Recovery Agency, they continue to pursue collection efforts, which are causing undue stress and confusion. 


I request that the CFPB investigate this matter on my behalf to ensure that National Recovery Agency is following proper legal procedures and not violating any consumer rights. I also ask that you assist in ensuring that these debts, which I do not owe, are cleared from my records and that any negative information regarding them be removed from my credit report. 

Thank you for your attention to this matter. I would appreciate any guidance or assistance you can provide in resolving this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

AMERICAN ACCOUNTS ADVISORS has not sent me validation of information they reported to XXXX. This is not my debt
Product: Debt collection

XXXX XXXX was already notified that there was no proof of contract but still reported I owed them
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

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 XXXXXXXX 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 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 ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX  XXXX {$130.00} XXXX {$300.00} XXXX  XXXX XXXX {$1600.00} XXXX  XXXX {$3300.00} CHAPTERXXXXBANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTERXXXXBANRUPTCY DISMISSEDXXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exist.
Product: Mortgage

Dear Representative, It has come to our attention that our mortgage was sold to a new servicer. Our goal is to get the proper payment address and further assistance with a new loan modification. The payment made was returned for incorrect address given to us by the customer service line. Thank you!
Product: Mortgage

Me and my wife got approved for a home loan at 4.25 with tier B credit levels. I had a few medical debts that I was told to leave alone considering we had already gotten approved, and we didnt want to change anything that could affect our credit. It was a loan on a construction home that was going to be ready to close on the first of XXXX. With that being said we werent given the chance at a rate lock of the 4.25 because the loan officer and processor couldnt get any paperwork turned in or requested in a reasonable amount of time. The final rate lock would have secured our loan. The problem is that they never discussed any of this with us when it was supposed to be done which was 90 days before XX/XX/XXXX. When they did finally decide to run the credit for the rates, a few medical bills in the past opened up as new open debts. This caused my score to drop well below any approval for any mortgage. I do understand that the medical debts are still my responsibility. I also take full responsibility for my debts. My problem is that I was following the directions of the bank employees step by step and they decided that they would reciprocate their efforts with laziness and lack of communication. I do apologize for the complaint being out of order and misdirecting. I have been put through six months of an emotional roller coaster. Just to have to be given a very hard and unclear no to the house that we watched be built from the ground up. The personal investment that was taken by Navy Federal and their lack of commitment can not be undone. I really hope that other customers dont have to be put through what me and my wife have been put through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I applied for a mortgage with XXXX XXXX on XX/XX/2022 with a loan officer named XXXX XXXX ( XXXX  XXXX ). I authorized a credit report pull on this day and the loan officer completed the credit report pull on this day. On XX/XX/2022, the loan officer discovered that I was shopping around, and pulled my credit report XXXX more times ( in the same day ) to deliberately lower my score so that no other lenders could help me. Between XX/XX/2022 and XX/XX/2022, my score XXXX score dropped XXXX points with no other changes to my credit report other than the inquiries in question.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act, has reported incorrect information and inaccuracy in magnitude of credit reports points affected reporting late payment. 

15 U.S.C 1681 section 602 A, states I have right to privacy 15 U.S.C 1666 B, I did not receive a written notice within 21 days of payment 15 U.S.C 6802 B, Inaccuracy in disclosed statements I solemnly, request that my credit report which is adversely affected by the remarks of late payment marks, needs to be removed from my credit account. One of the late payment is reported recently and is affecting XXXX points in one credit account and XXXX points in the other. In addition, there is also a 3 years old late payment mark, that is incorrect. 

I have made my payments to XXXX XXXX on time since the last 4 years, beginning of XX/XX/year>, the recent miss was absolutely due to miscommunication and technical glitch in setting up the auto payments. 

I have confirmed with the credit agency that the late payment occurred due to technical error in having the automatic payment set up and was not purposeful. Affecting the credit points by XXXX magnitude is totally unfair for the act that was not intentional.
Product: Credit reporting or other personal consumer reports

Experian had failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, Leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither correct nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. 

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

Equifax dropped my credit score 87 points without any negative information on my credit report. Reason given was " Lack of real estate accounts on file ''
Product: Mortgage

In XXXX I was laid off due to the COVID19 shutdown. I work in a XXXX  XXXX  in a XXXX  in XXXX XXXX. My boss says I will not be returning back to work until possibly XXXX or later. Unemployment is running out next week and I have no idea how I will pay my mortgage with a XXXX wife. I am in Forebearance with Wells Fargo but I have been paying every month since I am receiving unemployment. I asked/pleaded with Wells Fargo to put a few months payments to the back end of the mortgage like most other banks and mortgage companies are doing. Hopefully by the end of the year I will be back to work or find another job and can resume paying. Why is it only Wells Fargo has no program to help customers during this crisis. I did not ask to be laid off or lose my job thru any fault of my own. Wells Fargo gets away with a lot of bad dealings with consumers and then gets a slap on the wrist by the Federal Banking authorities and continues their crooked ways while the people that are supposed to look out for us are handed wads of cash by lobbyist to look the other way until it becomes a disaster. Then you have to throw a little fine their way. Please for once take care of the little guy. Me and many others will lose our homes due to a ridiculous government response to a flu. If you have any heart please, please force them to help consumers. Their billion dollar customers are getting loans from you and i can't get a month 's help paying my mortgage.
Product: Debt collection

I received an email from Professional Bureau of Maryland Inc. stating that I owed XXXX to a gym call XXXX  XXXX  XXXX XXXX and offered a settlement of 50 % if I pay by XX/XX/27. I am not a member of that gym and have not been for over two years. I have attempted to call the gym and this agency and have been placed on hold for a half hour then a request for a message comes up. The gym in question requires that one pays monthly XXXX dollars for attendance and if the member wishes to quit, he or she simply stops showing up. There was no contract other than a liability waiver. This is a scam and they apparently think I would pay for fear of damaged credit and of the hassle of disputing it.
Product: Debt collection

PROFESSIONAL DEBT ME Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$0.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Mortgage

The main issue aside from payments being applied late and incurring late charges is that I have sent OCWEN Loan Servicing LLC copies of my homeowner 's insurance policy, as had my insurance company, as has been the case in the past 13 years since having this mortgage and yet they claim they do not have proof of insurance and now have added XXXX insurance. Secondly, I have no evidence of who even owns the mortgage since it has been sold several times with no transfer documentation being furnished to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/2017 I submitted certified letters to the credit reporting agencies XXXX, XXXX and Equifax to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender XXXX. I received responses from the credit reporting agencies but not from XXXX. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.