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

Re : Dispute of information in a consumer report Dear [ CRA ], I'm afraid I have to disagree with the account listed below which still appear on my credit report, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly detrimental, and damaging to my credit score. 

You are reporting inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is inaccurate because the credit inquiry that is on my report I do not recognize at all. 

Account XXXX : 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 XXXX Part XXXX, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, 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 XXXX, Equifax, 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 Equifax, XXXX, 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 XXXX, Equifax, 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 Balance {$8000.00} Date Opened XX/XX/XXXX XXXX
Product: Credit card

The collections of Jefferson that's on my report is not me. I was XXXX  at the time that that account was opened. I would like to have it removed so that I may apply for a credit card or be able to open a account.
Product: Debt collection

LVNV Funding LLC states they opened this account In XXXX of XXXX. Updated as of XX/XX/year>. It has only reached my credit as of XX/XX/year> not XX/XX/year>. If it was established open in XX/XX/year> I have not received any notice of any form that something owed was bought by them nor do I know what this balance of {$1000.00} is owed from. The report has no original creditor and no information on who sold it to them like my others do have. The dates are inaccurate, this creditor did not send a validation notice, nor attempt to contact me before sending this to my report. Its been opened as for XXXX  Months but has failed to notify me and only put it on my credit now in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection from sequiium asset solutions appeared on my credit report in XX/XX/2019. I sent them a letter requesting a validation letter and I never received a response. I called them and told them my name and they could give me no information, as if they didnt know who I was. Filed a complaint with consumer finance and in their response said they would send me a fraud packet-never received it. I dont want to sue this company, only want them to stop reporting that I owe money on my credit report that I do not.
Product: Debt collection

Beginning on XXXX XXXX, I started receiving robocalls from the debt collection company. I received at least XXXX calls on different days. The machines left messages on my line with the following text : [ we are calling from Weinberg Mediation Group ] and are trying to reach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ different voice from the rest of the message ]. We have sent you correspondence and attempted to contact you on a matter involving your name and Social Security number but have received no response from either yourself or your attorney regarding this matter. We have decided to reach out to you one last time to give you the opportunity to be compliant and give your statement of intent to our office. Please be advised that if we do not hear back from you today I will no longer be able to assist you in a voluntary resolution. Contact the office immediately at XXXX. Good day! ( Note : The first part of the quote above is in brackets because the messages were cut off from the beginning of the voice mail and may not be an exact quote. In fact, I had to put in considerable effort to learn the name of the company because it was cut off in the voice mail. ) I received nothing in writing from the company and had no reason to believe they had a valid reason to call me. Because of that I decided to file a complaint with the Better Business Bureau XXXX XXXX New York instead of calling the phone number in the messages. The company 's response to that complaint confirmed that they were calling about a debt owed by another person with the same name as mine. I pointed that out in a reply, but the company ignored it. The company did consent not to call me again, but admitted no wrongdoing and maintained that the debt was mine. The company also submitted to the BBB a copy of a dunning notice they had sent to a different address. That was the only way I obtained a copy of the notice, which is attached.
Product: Mortgage

{$5600.00}. 

This amount was kept in a restricted escrow account for payment to a contractor after an insurance settlement for mold repair. 

Ditech has been outright lying to me and the insurance adjusters as to the status of releasing these funds. They claimed they released them in XXXX of 2019 but I am still waiting for payment. The contractor has threatened to put a lien against my property for not paying the balance of the work he completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked recently credit report and saw information which never opened before like a few accounts and address. I listed all off these account in identity theft. All off them are fraud and were opened in the same time and the same year, that mean some body used my personal information and opend. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Product: Debt collection

Received notification of credit reporting about XXXX XXXX XXXX  service I have never signed up for
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$1000.00} XXXX {$1400.00} XXXX {$440.00} XXXX {$13000.00}
Product: Payday loan, title loan, or personal loan

I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission or acknowledgment.
Product: Credit reporting

The company ignores all requests and simply sends me a letter stating all inquiries are factual. They are factually without my permission or consent and do not fall within any of the listed reasons that someone could pull my report as listed in the fcra Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX BANK XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX : XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 

all fraudulent Revolving Account Number : XXXX FRAUD
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX Date of inquiry : XX/XX/2022
Product: Credit reporting or other personal consumer reports

This is now my 3rd time submitting a complaint about Equifax and still no resolution to this problem. I am getting so tired of being screwed by Equifax and damaging my consumer rights. When I log into my Equifax dot com credit profile, they show absolutely nothing. No personal information, no creditors, no revolving accounts, NOTHING. No new creditors can access my Equifax credit history at all. This is getting ridiculous that I have to complain a 3rd time now through CFPB. Clearly nothing ever gets resolved. I am going to get my lawyer involved and create a law suit that will be issued to Equifax because they are damaging my consumer rights and ability to obtain any credit. Get ready for a law suit Equifax because you are breaking Federal consumer laws over and over and over.
Product: Mortgage

Cardinal Financial & its successors and assignors, provide a written statement by XXXX XXXX, saying that she am committed her rights due to an emergency per CFPB 1026.23. as Cardinal Financial has stated, it did not end do not have to provide XXXX XXXX with her rights being that XXXX XXXX signed a deed to trust. Cardinal Financial violated XXXX XXXX constitutional rights per 18 U.S. Code 241 - conspired with XXXX XXXX and other assignors successors investors who conspire to injure, oppress, threaten, or intimidate any XXXX XXXX and prevent it, she and her household free exercise or enjoyment of their rights or privileges secured by the Constitution or laws of the United States, or because of his having so exercised the same. Cardinal Financial and its a signers violated XXXX XXXX rights by purposely concealing her right of rescission.
Product: Debt collection

Prime Acceptance Corp makes call after call all day long from multiple phone numbers! I own a business and it 's very disrupting while I 'm trying to talk to my customers! They harass my wife in the same manner and she works in the medical industry!? This harrasing disrupts her while trying to deal with patients! This is not border line harassment it 's full blown harassment! 

Oh wait a minute! If this is not enough! If I do n't answer they call the people that you used for references and ask them where we are and are we going to pay our bill! BTW I HAVE WITNESSES!!! 

I am going to talk to my attorney and see if I can file a lawsuit tomorrow! No more Mr nice guy here! We have been putting up with their unprofessional, harassing behavior long enough! I need someone that can stop their bullying tactics and shut them down! 

Unfortunately some people respond to their harassing behavior like " We will reposess your car if it 's late 3 days if you do n't pay! HAPPENED TONIGHT! I do n't respond to threats! I told every person that I talked to today that I would make XXXX out of the XXXX payments! XXXX XXXX is a supervisor and she told me I 'd better change my attitude because she was the Collection supervisor and she would take our car off repo hold and start repossession action! 
Our loan is 3 days into the XXXX payment! 

We got behind because of the time of the year in our business and Ipaid {$2600.00} in the past 60 days and became current! I would think this should have shown our intentions and capabilities to these Harrassing Collection XXXX ...
Product: Debt collection

I have written letters to XXXX, TransUnion & XXXX  about inaccurate information reporting on my personal credit report. I understand that under the 602 [ 15 U.S.C. 1681 ] it's against my rights to have inaccurate information on my credit report. I'm trying to buy a new home for my family but am unable to do so because of inaccurate information on my report.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX Dear XXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX XXXX identity theft and fraud laws.

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX identity theft and fraud laws emphasize the necessity of consumer consent for credit reporting. These laws establish clear guidelines for the fair reporting of consumer credit information and underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and local laws. 

I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX identity theft and fraud laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX identity theft and fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and local regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and local laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Student loan

My complaint is against FedLoan Servicing. On XXXX/XXXX/XXXX, I received my annual notice that my Income-Based Repayment plan needed to be re-certified. I immediately sent the paperwork in. On XXXX/XXXX/XXXX, I received notification that I submitted my paperwork too early, and that my IBR re-certification would not be evaluated at this time. I called FedLoan to get clarification and the representative told me I would not need to re-certify until sometime in XX/XX/XXXX. 

On XXXX/XXXX/XXXX, I received notification that I was being removed from IBR because their records showed I never re-certified. This obviously was incorrect because I had re-submitted my paperwork in XXXX XXXX. I called and the representative ( XXXX ) told me that FedLoan had made an error and that my re-certification application should in fact have been evaluated back when I submitted it. He instructed me to re-submit the application right away and he suggested I enter a forbearance for the month of XXXX XXXX so that I would not have to pay the higher monthly payment ( {$1500.00} ) for that month. I asked XXXX what would happen to the interest that accrued during this period, specifically whether any of it would get capitalized. He told me that interest would continue to accrue but that it would not capitalize. Based on XXXX representations I agreed to the forbearance. 

XXXX also suggested I contact my bank to try to put a " stop payment '' on the automatic payment that was scheduled for XXXX/XXXX/XXXX. I did that, but my bank was unable to put the stop payment in place in time. The money was extracted from my account on XXXX/XXXX/XXXX. 

Also on XXXX, I received a notice informing me that all of the interest that had accrued on my account ( about $ 11k ) would be capitalized at the end of XXXX if I did not pay it all off. This directly contradicted what XXXX had told me. 

On XXXX/XXXX/XXXX, I called FedLoan servicing again to discuss my account. I spoke to a representative named XXXX ( ID # XXXX XXXX. I asked XXXX about the interest notice and explained I felt the XXXX in interest on my account should not be capitalized because XXXX told me that not would happen and because the forbearance did me no good anyway ( because the funds were extracted from my account by direct debit ). I explained I felt I was getting hit with an $ XXXX penalty. She told me that interest capitalized on my account every quarter and that the forbearance would not result in the interest being capitalized. Against my better judgment, I believe XXXX. 

On XXXX/XXXX/XXXX, I received notification that the $ XXXX of interest had been capitalized. This directly contradicted what XXXX representatives had told me. Further, it would not have happened if FedLoan Servicing had properly re-evaluated my application for IBR re-certification in the XX/XX/XXXX. I want my account to be set so that the $ XXXX that was capitalized is returned to being interest. I carried out my obligations with respect to submitting re-certification paperwork, and FedLoan Servicing negligently serviced my account and punished me for their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I requested and obtained a copy of my Credit Report from Equifax in connection with my effort to respond to my identity theft that I first learned about on XX/XX/2019. When I reviewed the report, I noted several factual errors related to my credit history as follows : ( 1 ) Under the heading of " Other Accounts '' and the subheading of " Closed Accounts, '' I discovered a XXXX XXXX account that I had no knowledge of, ( 2 ) Under the heading of " Inquiries '' and the subheading of " Inquiries that may impact your credit rating, '' I discovered two unauthorized inquiries on the same date ( XX/XX/2019 ) by two cellular services providers, i.e., XXXX XXXX and XXXX XXXX XXXX, that I had no knowledge of, ( 3 ) Under the heading " Negative Accounts '' and the subheading " Closed Accounts, '' I discovered details of a XXXX XXXX account that I had no knowledge of, and ( 4 )  Under the heading " Personal Information '' and the subheading " Address Information, '' I found a former address that I had no knowledge of, i.e., XXXX XXXX XXXX, XXXX, MD XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that the XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX are reporting inaccurate information on BRCLYSBANKDE ( Account # XXXX Balance : {$0.00} Date opened : XX/XX/2015 ). Also, I tried to reach out to the Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.