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

XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were recently found on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). These items are as follows : XXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry, and I am concerned that it may be fraudulent. As such, I am requesting that it be removed from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX Similarly, I do not remember authorizing this inquiry, and I am worried that it may be fraudulent. Therefore, I am requesting that it be removed from my credit report immediately. 

XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry either, and I am concerned that it may be fraudulent. I am requesting that it be removed from my credit report immediately. 

XXXX XXXX  Account Number : XXXX I am questioning the validity of this account 's name and number. I request that you either clarify this information for me or delete the account immediately from my credit report. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated. I believe that these negative items are impacting my credit score unfairly, and I hope that you will take the appropriate action to remove them as soon as possible.

I kindly request that you investigate these items and remove them from my credit report if they are found to be inaccurate or fraudulent. I also request that you provide me with a written explanation of the results of your investigation, as required by FCRA Section 611 ( b ) ( 2 ).

Thank you for your prompt attention to this matter. Please contact me if you require any further information or clarification.

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

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON THE DISPUTED ACCOUNTS. MY XXXX, XXXX BANK AND XXXX XXXX BANK ACCOUNT ARE REPORTING LATES. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Transunion and also XXXX about XXXX this amount that is appearing on my credit report is inaccurate first of all the amount is incorrect!! They are still reporting late payments which is an error or a lie so how was the information verified when I dont even have the vehicle so how is late? According to the FCRA, Nevada statute of limitations this was a credit sale its being listed an an installment loan!! I have enclosed the documentation and I have reached out to the bureaus as well as well as XXXX and also XXXX XXXX!! I have enclosed the documentation as well to show the amount is inaccurate therefore the amount being reported is absolutely inaccurate!! The balance is wrong!! They have been paid and they are reporting an error or a lie!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX to report several loans and credit cards and made a dispute on behalf and they made contact and out they report they received is everything is accurate reporting Equifax is not reporting on they department and I was asked about the same information I said everything the same beside the family XXXX on my name that's on my credit report. XXXX is stopping my loans from Reporting to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

there is fraudulent XXXX XXXX XXXX account reporting under my equifax reporting, and i have been disputing this inaccuracy for almost a year and half, but this inaccuracy equifax is not helping and is persistent that it must stay under my name, please i need your help to fix this inaccuracy, this is the only inaccuracy that i reporting only on equifax credit, and no one else was this stubborn to help me. 
equifax has been very much stubborn and unwilling to help, please i will be attached my police report received from XXXX police department, and the FTC report i filed online, i have submitted both to equifax several times. 
please help me i have suffocating and unable to even rent a place thank you
Product: Debt collection

IN ACCORDANCE WITH FCRA XXXX  ACCT#XXXX, IS VIOLATING MY RIGHTS

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY
15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

XXXX XXXX XXXX  ACCT#XXXX XXXX XXXX XXXX XXXX XXXX XXXX

THIS IS NOT A DEBT
Product: Debt collection

Experian has removed the XXXX XXXX account from my credit report and as a result in removing an account is admissible evidence that Experian broke the law so this is A INVOICE FOR VIOLATING THAT LAW A MINIMUM XXXX $ thank you. You have 90 days to make the payment.
Product: Credit reporting or other personal consumer reports

Security breech. XXXX XXXX accessed my private information without consent. FERPA violation.
Product: Debt collection

My medical debt was the result of a Work place injury, the collection agency even admitted they showed this as a XXXX case and had the information in their system. The creditor they were representing has been provided numerous times with the case information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries on my credit report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I cosigned my brother in law 's home loan in early 2007. later that same year, on XXXX 2007, he refinanced the loan with XXXX XXXX XXXX in order to remove my name from his mortgage. He Signed and Closed the Loan, as sole borrower, on XXXX XXXX, 2007. The title company was First American Title Insurance .when this new refinance Loan was " filed '' with the XXXX Clerk XXXX XXXX XXXX XXXX, A different loan closing document was used. this different document had my name added and my signature forged. furthermore, a notary falsely stated that " i appeared before her '' to sign said document. what is even more troubling is that the pen inked handwriting and signature matches the notary or whoever created the forged document. The very reason for the refinance loan was to remove me as a borrower. this type of blatant forgery and falsification is unacceptable from any financial entity, let alone a XXXX Bank. The only way i found this out was because my brother in law is losing the property on foreclosure, and i now have lawyers serving me court papers as if i am still involved in said loan/property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ordered a PC from XXXX XXXX XXXX Order # XXXX. 

They applied with Affirm with partial of the cost to their " payment system '' to pay off over time. While I put some upfront, the rest I applied for credit for. 

Upon having issues with XXXX filing several complaints and dealing with fraud on their side since I didn't receive the item I purchased. Rather I receive a fraudulent computer with removed serial numbers. Which is against the law. I called up Affirm to let them know that the item was counterfeit. They couldn't find any account information, only that it was attached to my social security number. 

EVERY stupid attempt I made to get it changed for my personal information, I would have to talk to some XXXX XXXX XXXX XXXX XXXX and then deal with their nonsense of NOT UNDERSTANDING ANYTHING. I am saying. Then told me they couldn't access or " Prove '' who I was. When I was literally sending them multiple ID 's. 

I finally reached a manager at one point and sent over the information of the missing parts and PC with the FTC complaint and the PC being junk. The XXXX company also claimed that they wouldn't give me the serial numbers and " didn't have them ''. 

I was told that they would handle it with their fraud team. I was called from their fraud team a few weeks later. We settled the issue, as I thought. Because I dictated to them the penal codes and illegal XXXX that was going on. They claimed the issues was resolved. Here I am several months later seeing that it wasn't. AGAIN, calling their stupid office up to deal with the same XXXX. Only to get the same runaround. They can't prove who I am. 

SO OBVIOUSLY. It's not my debt, if they have no idea who I am and someone used my Social Security number to make the account. If I can't pay the XXXX bill or am allowed to discuss it. THEN ITS FRAUD. The company supported the fraud and is continuously supporting it by not allowing me to do anything with it. XXXX XXXX fraud.
Product: Credit card or prepaid card

There was a charge from XXXX on my XXXX financing account for an item we did not purchase. I started a dispute with the financing company and the amount was removed from my statement. When my next statement populated, the charge has reappeared even though the dispute is still open. The disputed charge is the only charge left on the account. I called the company today and was told I am required to make payments on that amount even though it is actively being disputed. I said I feel that is against FTC rules and was told that is not what the rules are for the financing company.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a SAMPLE letter I receive stating the Credit Reporting Agency has " previously processed this dispute and and the credit grantor has verified its accuracy. '' HOWEVER, under FCRA requirements, the credit bureaus are required to verify the consumers accuracy of credit records they maintain. Not just process. The attached letter continues by stating " we will not re investigate the same dispute ''. How can a Credit Reporting Agency verify my records for accuracy when your client, XXXX XXXX XXXX XXXX, ignores all requests, supplies nothing, and labels all requests and complaints as duplicates? Moreover, XXXX XXXX and the Credit Reporting Agencies rely upon an incomplete and undated application ( that even states at the top is not to be processed ) as FCRA Permissible Permission to steal my private information? AND then a forged and fraudulent loan is allowed for thieves to steal two cars in my name. A high school child can understand this but three so called professional companies can not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Subject : Criminal Complaint, Estate Money Theft {$400000.00} Deposition was obtained XX/XX/XXXX at XXXX XXXX XXXX XXXX FL.. 

XXXX XXXX was appointed by XXXX XXXX ( my father ) as executor of his estate via will. XXXX XXXX closed the estate account in Georgia and opened up an estate account in the state of Fl. Wells Fargo XXXX, FL. I requested an annual accounting on several occasions without success. Hired Lawyer. XXXX XXXX estate bank records have been obtained by subpoena. 
XXXX XXXX bank records have been obtained via subpoena. Wells Fargo XXXX, FL.. 

Approximately {$400.00}, XXXX is missing from The XXXX XXXX Estate. XXXX XXXX had 3 seperate accounts with Well 's Fargo XXXX FL.. Transactions clearly show that money from XXXX XXXX Estate was transferred to one of the three XXXX accounts over a period of time in the state of FL. XXXX has been removed as executor. I have been appointed executor by the court. 

XXXX XXXX has yet to provide an accounting and has not been cooperative with this process that began on XX/XX/XXXX. Contempt of court. 

My accountants have created a P & L in regards to XXXX XXXX Estate. 

We are still unaware of where money is or what it was spent on. This is because she refuses to cooperate. 

Any assistance would be greatly appreciated.
Product: Mortgage

We refinanced our home in XX/XX/XXXX. In late XXXX our insurer billed our new mortgage company for the annual premium. our mortgage company paid {$220.00} of the {$1600.00} annual renewal out of escrow funds. 
We started getting notification from the insurance company that unless the balance due was paid by a certain date, the insurance would cancel leaving our VA mortgaged home without coverage. The insurer also notified the mortgage holder to the best of my knowledge. I called the mortgage company and talked to a customer representative who advised me that is how they did things, pay by the month on insurance, etc. that sounded strange to me. our mortgage company did nothing, I received a letter from the insurer of their intent to cancel which I scanned and sent to the mortgagor. They paid the remaining balance almost immediately. the dates involved are XXXX XXXX thru XXXX XX/XX/XXXX. 
the mortgage company sent a letter to me requesting verification of coverage during that time period. 
when we were told the policy had in fact been cancelled we paid out of our pocket to reinstate the policy a sum of {$130.00}. this was placed on a credit card. after the policy was paid in full by the mortgage company from escrow funds, we were reimbursed by the insurance company. 
we kept getting letters from the mortgage company stating they needed coverage verification or they would charge {$100.00} for single interest insurance for those 17 days. 
we kept calling trying to get someone online to address this fiasco, we talked to several people, some told us we were ok, that was just a form letter, some told us they were opening a research task and would notify us of the results. 
this continued from XXXX until XXXX, at which time the mortgage company charged us {$100.00} and took the monies out of escrow funds. 
I am concerned that the mortgage company did not pay the annual insurance renewal when it was billed, that they are trying to hold me responsible, and that their customer service representatives are not as knowledgeable as they should be. 
the insurance providers correspondence states that if the mortgage company pays the bill from escrow the mortgagee doesn't need to do anything else, and in the mortgage companies escrow logs they state that they are the responsible party for paying the bill on the customers behalf. I took them at their word.
Product: Credit reporting or other personal consumer reports

LexusNexis had previously stated that they would remove items from my car insurance report. My insurance pulled my insurance score card and everything is exactly the same. They have done nothing to what they said they would. Original CFPB claim number XXXX
Product: Mortgage

I have paid my Wells Fargo house payments for my home equity loan by online bill pay for many years, doing it manually, with no problems. Beginning in XXXX, my payments of {$1300.00} were not reflected on my next statement. This happened for four consecutive months, XXXX, XXXX, XXXX, and XXXX of XXXX, with a total of {$5500.00} missing. After speaking with them by phone, I faxed copies of each online payment transaction with transaction number, and my WF account number written on each. I delayed making a XXXX payment until they could track down the payments. 
Their response was to completely ignore my proof of payments, sending instead a XXXX page packet telling me how they could help me catch up on payments. Included in that was an application for mortgage assistance. No mention was made of my fax or the proof of payment. 
Wells Fargo advanced me money against the amount of escrow in my house to help pay the taxes on my house for two years. Illness and the recession had decimated me financially. I had originally asked for an escrow account, but was told it was not possible with that type of loan. After the difficulties with the taxes, they started an escrow account, which nearly doubled my payments ; I was ok with this. However, they wanted XXXX retroactive payments, each {$1300.00} ( approx ). I was able to scrape together XXXX, but not a second XXXX. After several phone calls, I was finally connected with a woman who worked with me on the phone for nearly an hour ( XXXX XXXX, XXXX ). Going back and forth for okays, a plan was implemented for the remaining amount ( {$1300.00} ) to be paid over a 48-month period, as part of my monthly payment. It went exactly as planned, until the end of XXXX, the first quarter. Their computer kicked out the agreement, and I was told they had no record of it. That has been an ongoing issue. 
Adding to this problem is the policy WF has concerning signed contracts - once signed, you are never allowed to talk to anyone face to face about any problems. You can not go to their mortgage finance building and speak to anyone. All must be done by phone. In the past XXXX six years, I have been given fake names and phone numbers, which means that I have never been able to talk to the same person twice. I 've been told they have no record of a call made, or a decision made. 
I am making XXXX last attempt to make a payment at WF Mortgage for XXXX and XXXX, by checks, and get a receipt. Online bill payment obviously is n't to be trusted, and I certainly do n't trust them to give them a credit card number on the phone or mail a check.
Product: Mortgage

Short sale was approved XX/XX/XXXX and loan was cancelled XX/XX/XXXX. I immediately retained another realtor XX/XX/XXXX. property put back on market and received cash offer, documents submitted XX/XX/XXXX to Wells Fargo. Made calls for status updates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they had n't submitted anything to HUD. Let messages for contact person, no callback. Even tried speaking to supervisor over person. Call transferred to voicemail. Contacting customer service they would just say they would have a callback because they didnt have information in notes that was updated. Contacted their Executive Resolution for assistance, still nothing happened till XXXX XXXX. HUD response was due to time frame was denying short sale which was approved before. I have asked for a detailed letter in regards to denial XXXX XXXX, XXXX, have n't received, said they are working on it. Now foreclosure process has started.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.