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

Law : 15 USC 1666b I am writing in regard to privacy and consent under law : 15 USC 1666b. 
That these late payments be removed off of my credit report. 
There is no law stating that any transaction must be reported as far the acquisitions on my credit report from : XXXX XXXX : last reported XX/XX/XXXX, payment status XXXX days late, opened XX/XX/XXXX, worst payment status XXXX days late USAA : last reported XXXX XX/XX/XXXX, payment status XXXX days late XXXX XXXX XXXX : last reported XX/XX/XXXX XXXX XXXX status XXXX days late XXXX XXXX : reported XXXX  days ago, payment status XXXX days late
Product: Mortgage

I had a loan with XXXX and it was sold to Freedom Mortgage. During the sale I was never notified and was not aware of anything going on. I continued to pay my mortgage payment to the XXXX. by the time I figured it out I was late on a payment. I paid it and explained to them that I was never told. Since then I have continued to ask them for a account and transaction history including a running balance but they never give it to me. They keep sending me the wrong thing. I have been requesting this for over a year. I need this because I do not believe they are applying my payments correctly and there is no way for me to check with out that information. there customer service is horrible. you can never speak to anyone. it seems that all of there departments are not customer facing and everything you ask for has to be put in a request that never gets done. I have asked to speak to people higher up and get the same response. let me put in a request. I have never had this much trouble with a mortgage service company ever. I really wish they would sell this loan to someone else. It is absurd that mortgage company 's are allowed to sell loan any random company that does not have the same values and customer service as the company you made the loan with.
Product: Credit reporting 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 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 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
Product: Credit reporting or other personal consumer reports

Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$510.00} Loan Type Credit Card Date Closed Date of First Delinquency XX/XX/year> Comments Charged off account Credit card Contact FIRST PREMIER XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX It is still reporting as a balance on my credit report. This need to be deleted off my credit report. It is not showing the correct accuracy.
Product: Credit card or prepaid card

Discover Card has increased my monthly payment monthly for the last several months. I have never missed a payment or been late, consistently paid over whats due, and have not used the card in months ( therefore not causing a balance increase ). They claim its due to a variable interest rate, however, I have never received notice for interest rate changes. I also never began receiving the increasing payments until I ceased using the card while only making payments to reduce the balance. 
I believe Discover Card is failing to notify of interest rates along with unfairly applying interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$390.00} INQUIRIES : XXXX XX/XX/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 EQUIFAX : INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$390.00} INQUIRIES : XXXX XX/XX/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
Product: Debt collection

Back on XX/XX/XXXX I looked at my credit report and noticed it was an account listed in derogatory for {$2500.00} by a company named Capital Accounts LLC. They never reached out to me prior to this and damaged my credit. On XX/XX/XXXX I wrote Capital Accounts LLC and requested validation and a contractual agreement bearing my signature proving that I owed them a debt. On XX/XX/2019 they sent out a letter to me stating they had retained my account from a third party, I now owed them {$1200.00} and that I had 30 days to dispute the validity of the debt even though my first correspondence to my credit being damaged did this. On XX/XX/2019 I sent them out a second letter requesting validation and a contractual agreement bearing my signature proving I owed them a debt. They updated my credit report to show the account was in dispute and it now shows I owe {$1100.00}. The never addressed my second letter and sent me out a letter stating I haven't made any payment arrangements with them to pay the balance which is now {$1100.00}. As a result I am requesting this account be removed from my credit report immediately as I believe they are in violation of the Fair Debt Collection Practices Act, The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not try to open an account with CAPITAL ONE BANK USA NA in XXXX. I had XXXX years ago. My identity was stolen in the process of me moving. My photo ID 's, social security cards and much more went missing. I have sent over numerous letters to this creditor along with police reports and report numbers and they refuse to remove the inquiry. I have a copy of the report slip before the numbers generated. The report number is XXXX. I live in XXXX where they do not give out paper reports and the number should be sufficient enough. This inquiry was not me and I would like it removed off of my report ASAP
Product: Debt collection

XX/XX/XXXX- a debt collection agency said i was being sent an arbitration for an old account from wells fargo from XX/XX/XXXX and would have to go to court. it would be delivered to me XX/XX/XXXX between XXXX by a courier. They asked for my personal account info to send them money. I asked them for details on the account and they refused to send me info and stated it was a stall tactic. 

XXXX and XXXX with XXXX XXXX XXXX XXXX, XXXX ( caller ID shows this a a XXXX CA number ), XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. 

Account No : XXXX  Amount Disputed : XXXX
Product: Mortgage

XXXX XXXX, XXXX XXXX XXXX left our home flooded in 6 feets of water for 6 days, whereas 2 feets to XXXX inches came into the house. It cost over 50 % to restore our home. XXXX, refinanced our home so we could pay the contractors. XXXX financing raised our intrest rate 11.9 % on the 1st mortgage and 16 % on the 2nd mortgage. They promised our intrest raters would come back down after 12 months. We never received the promisary letter nor have the intrest rate come down. we have been paying XXXX and XXXX since XXXX XXXX. Our mortgage was sold to GreenTree Mortgage Services and now XX/XX/XXXX Green Tree - Ditecgh a Water company XXXX XXXX XXXX XXXX XXXX, SD XXXX. I have tried every avenue and path to get help with this matter. Our credit at that time was good and we feel that we was taken advantage of during a time of dress. We have a bloom blance coming due XXXX. 
XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account with balance {$0.00}, but still open.I aldeas y discussed this issue with Company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # xxxxxxxxxxxx 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
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my continued concern and frustration regarding the second unsuccessful attempt to remove fraudulent items from my credit file with Credit Bureaus. Despite my previous communications and efforts to rectify this issue, the unauthorized entries persist, causing considerable distress and potential harm to my financial standing. 


Discovered unauthorized and fraudulent entries on my credit report. 
Immediately reported the fraudulent items to your dispute resolution department, providing all necessary details and supporting documentation. 

Received acknowledgment of my initial dispute but witnessed no immediate action on the removal of the fraudulent entries. 

Followed up with the dispute resolution department to inquire about the progress, expressing the urgency of the matter. 

Despite assurances, the fraudulent items remain on my credit report after the second attempt, causing additional stress and potential financial repercussions. 

I understand that resolving these matters can be complex, but the persistence of these fraudulent entries is highly concerning and unacceptable. 

I urgently request the following actions : Immediate and thorough re-investigation into the fraudulent entries on my credit report. 

Transparent communication regarding the steps being taken to identify and remove the unauthorized items. 

Swift removal of the fraudulent entries from my credit report and a confirmation of their removal. 

Assurance that my credit report will be accurately updated, reflecting the successful removal of the fraudulent items. 

Compensation for the inconvenience, stress, and potential financial impact caused by the delayed resolution and second unsuccessful attempt. 

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding a currently reported Federal Tax Lien filed by Clerk of Circuit Court, XXXX County, XXXX, Florida. I submitted a direct dispute with Equifax on XX/XX/XXXX. They did not complete a proper verification or investigation and came back with a " verified and updated '' result. I submitted a complaint thru the CFPB ( case ID XXXX ) on XX/XX/XXXX - on XX/XX/XXXX the response was " we 're still working your issue '' ( generically speaking ). On XX/XX/XXXX i received a letter in the mail again stating " verified and updated ''. The dispute is -- - The updated XXXX guidelines specify that public records must now meet new standards when reporting information or the information must be deleted from the report. I have sent Equifax directly documentation from the court house supporting my reported lien does not meet the new standards of the XXXX and that it should be removed. It contains a name, address, no DOB and only 4 numbers of the SSN. The XXXX guideline states it should contain a DOB or Full SSN. I submitted disputes with XXXX and XXXX for the same XXXX changes and both of those companies investigated and then removed the item, however Equifax continues to run my dispute thru an electronic system ( per XXXX it was called 'XXXX ' ) and nobody is actually reviewing my dispute or the documentation supporting it. I 've sent them an official copy of the reported filing ( attached to this complaint as well ) from the courthouse that clearly shows it does not meet the new requirements. This is my 3rd attempt to get this resolved and Equifax continues to give me the run around and refers me to other companies ( XXXX and the courthouse -- both of which have confirmed the filing does not meet the new standards ). Their dispute letter stated " please contact the local court for questions '' -- the same courthouse that provided me the official copy that I gave to them. In addition I did confirm today that Equifax nor XXXX actually contacted the court to verify the filing. So not only are they stating " we verified it '', they are lying about it too. The court confirmed today that the last time anyone validated this old lien was XX/XX/XXXX. The XXXX guideline also specifies these items have to be 'validated ' every 90 days. Even with a dispute to Equifax directly and the CFPB they are failing to properly investigate, which would result in the removal of this lien. Please send this follow up complaint back to Equifax for ANOTHER dispute as they are not properly investigating or even reviewing the information I provided for the dispute, which also violates my rights under the Fair Credit Reporting Act laws in the process. Please have this investigated again. The attached file is a copy of the original dispute letter I sent to the Equifax, along with a copy of my FL DL and SSN verifying my identity, a copy of the official tax lien filing showing my record does not meet the current standards and a copy of the 'results page ' they sent to referring me to XXXX XXXX the XXXX County Court .
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently noticed a number of accounts on my credit I do not recognize. I have been a victim of Identity Theft for years. I need these items removed and blocked from reporting again. They are a result of Fraud. 

The items are XXXX  XXXX from XX/XX/XXXX for {$610.00} XXXX XXXX XXXX from XX/XX/XXXX for {$590.00} XXXX XXXX XXXX from XX/XX/XXXX for {$330.00} XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX from XX/XX/XXXX for {$280.00} XXXX XXXX from XX/XX/XXXX for {$520.00} XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX for {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1400.00} XXXX XXXX  is also reporting as XXXX XXXX XXXX for {$610.00} so it is reporting twice as both an alleged original creditor and a collection agency. They are double reporting and hurting my score even more so because neither are mine. They are fraud.
Product: Debt collection

Ive called this company multiple times about the incorrect debt on my credit report and they will not respond and when they did they were rude like they were right and I was wrong ( also I have proof but they didnt care ) Ive even contacted the apartment complex and they even emailed them the correct information twice and they still wont respond or budge for them its messing up my credit with this false information and I cant even go into a payment plan with them to start paying off some of the debt I owe because they wont listen to me or the apartment complex about the right amount to change my debt too its really messed up and frustrating at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

I, natural person, original creditor, consumer, have been violated for willful noncompliance by Westlake Financial Services. Please see attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian Credit Report showed an unpaid debt from XXXX/XXXX. After multiple attempts to have this error on my report corrected, I sent Experian a final request via certified mail to send me proof of debt or have to remove the error. Attached is the Experians credit report. 

As per all the previous attemot to correct an error in my report, they send the same answer stating : Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/2021. 

Experian does not provide any proof of debt, simply sends a one-line response without any validation. 

Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or CAN NOT BE VERIFIED ''.
Product: Money transfer, virtual currency, or money service

I no longer have the receipt, but this complaint is not an ordinary complaint. Western Union in the last couple of years have been singling out money sent to XXXX. This is my XXXX time where Western Union have sent money for me, but when i called the receiver the money is not available for pick up. I called Western Union multiple times and they ( WU ) kept on telling me that the money is available. A few weeks later they informed that the money is not available due to my account is red lined ( whatever that supposed to mean ). So i cancelled the money transferred and asked for a refund. A month later i received a letter in mail stating the money was available for receiver to pick, but the receiver did not have a proper ID ( This was a completely a lie ) and this is the XXXX time i have received this type of letters. 

Note : This happened, my brother, brother in law, and few of my friends. Please look into this if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to TransUnion via USPS Certified Mail that disputed two accounts on my credit report. According to the USPS tracking number, XXXX, the letter was delivered on XX/XX/2020. After 30 days, which was XX/XX/2020, I had still not received a response from TransUnion regarding my dispute. Therefore, I sent another letter via USPS Certified Mail on XX/XX/2020 that requested for the two disputed accounts to be removed from my credit because they did not respond within 30 days. According to the USPS tracking number, XXXX, the letter was delivered on XX/XX/2020. It has now been 59 days since TransUnion received that letter, and they have still not removed those accounts from my credit report.