23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX monthly payment was not collected due to insufficient funds due to the a same day deposit to cover the mortgage was deposited on the same day causing insufficient funds. XX/XX/2021, Nationstar withdrew XXXX payment making my mortgage 30 days late. No other mortgage payments were withdrawn after XXXX payment. In XXXX, my tenant of the property financed by Nationstar notified me of a balance of {$2400.00}. My privacy was violated because the tenant opened mail that was not to be sent to the financed property. The mailing address on file is my residential address but Nationstar mailed the letter to financed property without my approval. I was not notified by phone because Nationstar didn't have my phone number on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted personal request about ongoing issues of multiple inaccuracies on my credit report. I have asked for proof of validation of debt with my original documentation. I have provided direct discrepancies from reportings of late payments. I have asked for a collection item to be removed off my credit. XXXX has deflected by sending me this email, even though my request was signed by me personally with my identification. 

My request is as follows Correction to my name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, CT XXXX No XXXX history I requested to have multiple late payments removed off my credit report from the department of education that went from on time payment and then to 90 days late on six accounts. 

I asked to dispute late payment reporting on XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX. 

I asked for proof of verification and also requested validation of debt. 


This is not my first request this is my last and final request before I bring forth action.
Product: Debt collection

Recently reviewed credit report stating that I owe a debt with Cash Central that being collected by XXXX XXXX XXXX. I have never been associated with the address they have listed/linked to report. I have never received notices about the debt.
Product: Credit reporting or other personal consumer reports

I had an auto loan through XXXX XXXX XXXX XXXX XXXX, but the vehicle became undrivable. To settle the account and have it removed from my credit report, I worked with XXXX XXXX XXXX, XXXX, which helped me negotiate a settlement of {$5500.00}. This payment was made on XX/XX/year>. 

Afterward, I contacted XXXXXXXX XXXX XXXX to inquire about removing the account from my credit report, but they refused to provide any timeline or information. Since this issue prevents me from purchasing another vehicle, I filed a dispute with Equifax on XX/XX/year>, attaching the settlement receipt and satisfaction of judgment. Equifax closed the investigation on XX/XX/year>, without updating my credit report. 

I filed a second dispute with Equifax on XX/XX/year>, including the previous documents and an emailed statement from XXXX XXXX XXXX confirming a {$0.00} balance. However, Equifax closed this investigation on XX/XX/year>, again without updating my report. 

Since then, Ive received court documentation confirming the case is satisfied and an email from XXXXXXXX XXXX XXXX stating the payment was made, yet the account remains unchanged on my credit report. This is critical, as I can not proceed with purchasing a new vehicle until the account is updated.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding Equifax 's failure to comply with the Fair Credit Reporting Act ( FCRA ) and its negligence in resolving two disputes. 
Dispute # XXXX : Collection Account from XXXX XXXX XXXX On XX/XX/year>, I submitted a dispute to Equifax concerning a collection account reported by XXXX XXXX XXXX. I requested that this account be removed if the agency could not provide verifiable proof, including the original contract and documentation showing the agency 's authority to collect this debt. According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information. Equifax, however, failed to fulfill this obligation. Despite their responsibility to verify the legitimacy of the account, Equifax has not removed this unverifiable information, which constitutes a violation of the FCRA. Specifically : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation into the accuracy of the account. 
15 U.S. Code 1681e ( b ) : Negligence in maintaining accurate consumer reports by allowing unverifiable information to remain. 
Dispute # 2 : XXXX XXXX Account On XX/XX/year>, I submitted a dispute regarding account, XXXX XXXX, which was inaccurately reported as a charge-off across multiple months. I requested a procedural investigation and removal of the erroneous reporting. Equifaxs failure to properly investigate and correct this inaccurate reporting is a direct violation of the FCRAs requirement for reasonable procedures to ensure accuracy. 
15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Failure to conduct an investigation into the inaccuracies in a timely manner.

15 U.S. Code 1681c ( a ) ( 4 ) : Reporting of obsolete or incorrect information.

15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy in consumer reporting.

15 U.S. Code 1681s-2 ( b ) ( Duties of furnishers of information ) : Equifax 's failure to properly address the inaccuracies constitutes a breach of their responsibilities to ensure the accuracy and integrity of the reported information, especially after a direct dispute was submitted.
Product: Checking or savings account

Someone took over my Experian account. I got an email from them saying my info had changed. I did not change it. I replied to the email saying I did not do it. I had a XXXX character password and XXXX to my phone on this account, someone was able to get around all their security and take over the account, in addition, the fraudster opened a checking account through them. Why would they send an email to the original email and I say I did not change it but they let the fraudster keep my account. 

I called them to try and get my account back and to close the checking account. I was transferred 7 times and finally told to wait for an email. The email says I need to fax or mail them a bunch of stuff including my social security card. I lost the card several years ago. They wont do anything to help me and who knows what the hacker is doing with my info. They really expect me to trust them with an actual copy of my social security card, seems unreasonable, they obviously cant be trusted.
Product: Debt collection

On XXXX XX/XX/XXXX I was contacted by a person calling from phone number XXXX. The person asked me if I was XXXX XXXX. I responded yes. The person stated that there was complaint filed against me and she had a sealed envelope. She stated to open the envelope I would need to call the same number back and provide the next person with ref. # XXXX. I called and spoke with a lady named XXXX and provided her the ref. #. She stated a judgement was going to be entered against me for a debt by her company XXXX XXXX and XXXX unless I was able to pay. She then gave me my birthdate and social security number. She stated the amount of {$690.00}. If I was unable to pay this amount they would pursue legal action which could results in increasing the amount, wage garnishment, jail time, and also property forfeiture. I asked where this debt came from she stated from XXXX in XXXX XXXX. I informed her I have never had a XXXX account and also have never been informed of a collection for them. She gave me addresses I have never lived and I told her I have never lived there. I informed her that I was not going to PT this until I received something in writing. She stated they do not provide anything after the formal notifications have been made only after a payment is made on the account. I disengaged the call after telling her I would need to do some research first. I checked my credit reports and there are no accounts listed for XXXX or any collections. I contacted XXXX who stated I have never had an account with them. I checked the website andersonreedporter.com and there is little to no information about this company just a phone #. I believe this is a complete scam but they did have my personal information. I did not give them or verify that it was correct.
Product: Credit reporting

My report has addresses on it that is not associated with me that I like to have removed. The addresses are listed below : XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, LA XXXX
Product: Credit reporting or other personal consumer reports

Random amount of money was being taken from me on XX/XX/2024. I told my company about it and nothing happened
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows a previous address of XXXX XXXX XXXX XXXX Ga. I have never in my entire life lived at this address. My current address is XXXX XXXX XXXX XXXX. XXXX and Experian are unable to get this correct. I have sent proof of my address as well. Along with this they are not allowing me to dispute my credit reports as Im allowed under federal law. XXXX XXXX XXXX XXXX XXXX XXXX. If you can help me with this I would be grateful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

The following attorney group has been making consistent false attempts to collect a credit card debt for the following, ( XXXX XXXX XXXX, XXXX ) which is no longer due/relevant. The amount they are attempting to collect by harassing false letters and phone calls is past The statute of limitations in Illinois. 
This firm has been contracted several times before by your Consumer Financial Protection Burea,  but yet they continue to harras me by mail and phone. 
Please assist me in this matter and make this firm stop harassing me, please. 

Blitt and Gaines/Attorney at Law XXXX XXXX XXXX XXXX, IL. XXXX XXXX
Product: Payday loan, title loan, or personal loan

The company submitted a tax form at the end of the year XXXX- XXXX not sure but they stated that the loan had been cancelled out
Product: Student loan

In XX/XX/2022 I requested a copy of my MPN from Navient. I received an illegible copy approximately a week later by mail. I requested another copy of the MPN, this time with specifics that it is clear and legible, as the copy I first received was reduced in size to approximately 70 % of the original XXXX XXXX '' x XXXX ''. In mid XXXX I received another copy identical to the first, reduced in size and illegible. I made a third request in XXXX and, to date, have not received a copy, either blurry or clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a report from Experian XXXX on XX/XX/2021 the dispute for Method of Verification/ Data Furnisher was not given for Chapter XXXX Bankruptcy.
Product: Credit reporting or other personal consumer reports

I have requested and sent in supporting documentation to these consumer reporting agencies regarding inaccurate accounts, addresses and names present on my credit reports.

These inaccuracies violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ), which mandates that consumer reporting agencies ensure the utmost accuracy in the information they provide.

I know that the accounts in the included documentations are not mine and I have asked the consumer agencies to provide any and all documents or records they may have that related to the accounts - these agencies have not taken my requests seriously and have failed to provide any information showing the validity of these accounts. 

To be clear my name is XXXX XXXX XXXX, no other name is mine and no accounts with other names are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Company : I am a victim of identity theft due to the XXXX Data Breach. My information has been breached causing multiple errors and miscellaneaous account transactions to be listed on my credit report, including 12-14 hard credit inquiries. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It appears to be the result of identity theft. 

****Credit Inquiry**** Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all Credit Bureaus, Enclosed are the following : A copy of my Identity Theft Report. 
Police Report XXXX Data Breach Screen Shot Section 605B of the Fair Credit Reporting Act, which requires you to delete the fraudulent information on my credit report resulting from identity theft within four business days. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Freedom Mortgage bought our loan at refinancing years ago. 
They did not include my name, only my husband 's as the borrower even thought everything was always joint. My name is listed as a " friend ''. 

My husband passed away XXXX 2021. I tried to refinance at a lower interest rate through my bank. They were unable to help saying his estate needed to go to probate. 
I went to Probate Court, was given Letter Testamentry and named Executor of his estate. 
I provided Probate letters, COD and his will to Freedom Mortgage to have my name listed as borrower. Freedom Mortgage refused to speak to me as I was not listed on the loan, they know he passed away. I have made aproximately 20 phone calls and 15-20 emails to them trying to get situation straightened out. I have even received letters telling me they reviewed my request and are unable to assist they will only speak to borrower listed on account. I got nowhere with them. 
I contacted the VA, I received a response from them that I needed to tell Freedom to do an unrestricted transfer. I emailed that reply to Freedom, they have never said anything about unrestricted transfer, only they will not speak or help me even though they know they can not speak to my husband. 
I am at my wits end. They refuse to listen or assist. 
What happens to the loan if I am not listed? 
Am I liable for the mortgage since I am not listed? 
The monthly payment is automatically deducted from my account. 
Clearly I need assistance and hope you are able to get this matter taken care of once and for all. 

I appreciate your assistance. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  account COMENITYCB/Victoria XXXX has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Around XX/XX/2023 I was notified via email that changes to my XXXX information had been made. When attempting to log-in, I had found that my username had been changed. Unable to manually rectify that as I was unable to gain access to the account, I tried getting a hold of an XXXX Representative. They were the ones who confirmed that my User Name had been changed, but that I was currently locked out and that I would need to wait a few days before I could resolve anything. This happened a couple more times, before finally a competent representative was able to get me access to the account. Not seeing anything, I then just placed a Freeze on it. 

Not too long afterwards, I received a number of mail notifications for accounts that were attempted to be opened under my name through use of Identity Theft. I was able to get most of the accounts closed except for two, a XXXX  and a Jared Jewelers XXXX Eventually the XXXX one was resolved after it was sent to collections and I provided them with relevant information that the account was opened fraudulently, they never impacted my Credit. The Jared Jewelers one however, is still showing as a hard inquiry on my XXXX Credit Report and impacting my score. 

I have attempted multiple times to get this resolved, I've even hired a Identity Theft Restoration Specialist through XXXX XXXX to assist. In late XXXX, I was notified that the account had been sent to XXXX XXXX XXXX, a collections agency, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Speaking with them, I explained the situation, mailed them relevant information, and they have since closed the account and ceased collections. However the hard inquiry remains and after speaking with someone at Comenity, they claim that XXXX is the one who needs to remove, but XXXX is also saying that they don't. Regardless, the account is no longer valid and someone needs to do their job and remove it from my report. 

Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted forebearance & hardship from XXXX on my Mortgage and any missed or late payment are not to be reported to any of the XXXX reporting credit bureau per the forbearance law that the president signed. Experian is the only Creditor that is still reporting and hurting my credit. My forebearance & hardship has been granted by XXXX- when the co-borrower died back In XX/XX/XXXX. I submitted Mortgage assistance to XXXX as requested. My Mortgage loan is stated to resume, modified to new payment beginning XXXX of {$2400.00}. Relief was granted from forebearance & hardship to resume on XXXX. All the missed or late payment must be removed from XX/XX/XXXX to XX/XX/XXXX. 

Experian is the only single credit reporting agency that is still reporting my credit wrong and inaccurate. 

I have tried to fix this, but everytime i call they act like they do not know anything how forbearance works. I tried to download files and documents online and their website is unable to download. They have a serious problem on holding XXXX on someone credit report and demand... they fix and remove the late payment while I was in forebearance and hardship. The XXXX account under XXXX - mortgage - is XXXX XXXX and XXXX XXXX. XXXX XXXX has died, my spouse. I was granted hardship relieft until XXXX by XXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$390.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$240.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is stating I have a 90 day late payment from XXXX of XXXX. In XXXX of XXXX I filed a deferment. I also informed XXXX that I was XXXX XXXX XXXX and that I wanted to make sure that my account was in good standing before I was going out on XXXX XXXX. XXXX told me I qualified for the income driven program and that I my bank ace a month with be XXXX. I also was informed that I would not have to make another payment until XXXX. I filled and completed the application for the income driven plan and faxed it to the XXXX. Upon checking my credit report I was o formed that I was 90 days late. Every month was on time but XXXX of XXXX. I asked to have it the late payment disputed through XXXX, XXXX, XXXX and Transunion for reporting in correct information. I also reached out to XXXX and XXXXXXXX XXXX to have the late payment disputed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurate accounts on my credit report. I then proceeded to reach out to the credit reporting agencies to seek remedy of the situation but would not help me correct these fraudulent an inaccurate accounts. 
1.XXXX  account # XXXX date open : XX/XX/XXXX balance : {$440.00} 2. XXXX XXXX account # XXXX date open : XX/XX/XXXX balance : {$320.00} 3.XXXX XXXXl ( original creditor:XXXX XXXX account # XXXX date open : XX/XX/XXXX 4. XXXX XXXX ( original creditor:XXXX XXXX ) account XXXX XXXX date opened : XX/XX/XXXX balance : {$100.00} 5. XXXX XXXX ( original creditor : XXXX  ) account # XXXX date opened:XXXX balanced : {$380.00}
Product: Debt collection

XXXX XXXX Ad Astra Recovery Services {$300.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Debt collection

Received a call from, XXXX XXXX XXXX. I left a voicemail and told him to stop calling and his number was blocked. He called back at XXXX ( XXXX time ) from a different number in XXXX. He told me it didn't matter about me blocking the number that he would call me everyday ( harassment ). I called back and he rudely told me I owed on a XXXX account for {$1900.00}. I had to call him back several times because he told me I had an attitude and refused to give me details. After being hung up on 4 times he finally told me it was an attempt to collect a debt. I have never had a credit card with XXXX and told him this but he told me he would be contacting our local authorities to handle me. He falsely told me I had been contacted and authorities sent to my address which from his records was an old address 6 years ago. He even had my full social security number which I'm not sure how he obtained this.