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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

I have been trying to remove my mortgage insurance with my Loan Servicer. I have a conventional loan and have had this loan for over 2 years. My value has increased greatly and my equity has increase to a point that i could request to petition this MI with a new appraisal to show my current value. I started this process in XX/XX/2018 and they have not replied back to me by letter or phone. I called the company on XX/XX/2018 and spoke to a customer service person and then a supervisor. I was told that they would have an appraiser contact my within a week and help me take care of this. As of today the XX/XX/2018 i have not had an appraiser call me. The company has called me and when i call back they tell me this is still pending. I can not get a straight answer from them and i feel like they are taking advantage of me. My father is a real estate appraiser and my mother is a loan officer and they know the rules regarding the removal of  mortgage insurance.
Product: Debt collection

I received XXXX calls from XXXX XXXX XXXX XXXX XXXX the morning of XXXX. I could not answer the phone as I was at work. They left XXXX voicemail msg. Before I could call them back, they called XXXX of my sons, the person calling left his name, the name of the company XXXX Global Credit XXXX and that he was called regarding MY debt! He left my son with his contact information. My son is XXXX yrs old. Even if he was XXXX, Global Credit broke the law by discussing the issue with a third party.
Product: Credit reporting or other personal consumer reports

I submitted a dispute letter to Equifax to address unauthorized and fraudulent inquiries on my credit report. Despite providing a detailed explanation and attaching a copy of my FTC report, Equifax responded that the inquiries were verified without proper evidence. 

The fraudulent inquiries include entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I requested the immediate DELETION of these inquiries and compliance with federal law regarding identity theft and consumer rights, but Equifax failed to take appropriate action.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I found someone withdraw XXXX dollars from my checking account from mobile APP. Since I were not in XXXX and was alert this is fraud for faked check. I asked my wife to call wells fargo to claim a fraud. Wells Fargo closed this account and build a new checking account and let me transfer all money to the new checking account and tell me they will investigate this claim and will give me result in next XXXX business days. On XX/XX/XXXX, I came back to XXXX and just go to wells fargo local branch in XXXX XXXX ( since wells fargo sent me feedback email for XX/XX/XXXX service but I were in XXXX! ) to ask them and want to have video record ( I guess someone did it in this branch since I got feedback email for this branch ) so I can give record to police ( I called XXXX when I were back in XXXX ). When I were waiting in the line, I found another XXXX dollars have been withdraw in branch from the new checking account. I am so hurry and asked mangers to for help but they let me wait and tell me we don't have time. I feel so frustrated and go to police department then I call wells fargo claim center again. Wells Fargo play a game for me in the next 5 days, I call them they just said it is still under investigation and we will notify you but I lost XXXX dollars in total and need money to pay my rent, XXXX and tuition. feel so helpless!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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

Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, and XX/XX/XXXX. I requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of XXXX. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.
Product: Debt collection

My process that leaded me to this complaint I was getting harassing calls from these collections companies, and emails, plus mail that I was giving them payments when there was no payments done. What so ever by my part. 

I explained the collection companies I was in the do not call list which I attached to this complaint and the calls went from 3 per day per account to XXXX XXXX XXXX very early in the morning to XXXX. 6 times per account and per day. 

I printed my credit report. 
I saw that this collection companies. 

RESURGENT/LVNV FUNDING has XXXX accounts under open, under collection, and wrong information of the debts was in my credit report. Depts were closed by the original creditor and mentioned to me that they were Charge off. Place of loss to the taxes and send 1099 's LVNV Funding LLC has ; LVNV Funding LLC Original Creditor : XXXX XXXX XXXX XXXX 
Account Number : XXXX {$350.00} LVNV Funding LLC Original Creditor : XXXX XXXX  Account Number : XXXX Balance : {$6200.00} LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Balance : {$760.00} LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Balance : {$1500.00} LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Balance : {$1400.00} XXXX XXXX XXXX has ; Account Information : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Account Number : XXXX Balance : {$540.00} I asked for the collection company to verify my information, the dept, to send me proof I did a contract with them, proof of my social security, my address last payment done, that they own the dept and could collect on the behalf of the creditor. 

Base on Inaccurate Information Pursuant to 15 U.S.C. 

In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the dispute information I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 

If after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verify, I expect the prompt removal or correction of the disputed item from my credit report. 

Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Product: Mortgage

Purchased our home in XXXX on a 30 yr fixed lone. I noticed an issue with the payment amount almost immediately. It took many calls to the company and with our insurance agent. I was told a different story every time I called. Finally found out that an insurance co. we had never heard of was getting paid out of the mortgage payments. Instead of refunding the $ to us they said that they put it on the end of the mortgage principal. I never seen any papers to show that they did this. Our payments were supposed to start at {$13.00}??.?? /month. I believe that they started at XXXX?? XXXX. We were told that if we were not late on any payments for 3 yrs that they would drop the mortgage insurance and that we could refinance to lower our payments. XXXX I called to have the mortage ins. dropped and to refinance. I was told that the mortgage ins. stays on the loan for the life of the loan and that they decided not to refinance manufactured loans. Our payments are now $ XXXXmonth. In XXXX I called to make a payment of {$2000.00} on the mortgage because I had recieved a forclosure warning a few days before the payment was due. After I paid the XX/XX/XXXX payment I got another letter warning about foreclosure. I called many times and every agent told me a different story. Then one agent told me that the XX/XX/XXXX payment was put on a principal payment not a mortgage payment. I explained that I never okey 'd that. It was the same as always a mortgage payment. He put in a note in my file, told me to wait a week then call to see what the company decided to do. I called in a week, again the agent couldn't help me. I looked on line and it still showed that I owed for 2 payments. I called again and the agent told me that a decission on my case wouldn't be made till XXXX XXXX. I still can not find out if they corrrected the issue. I was told that our payments went up because of taxes, but there is not way that our property taxes are causing our payments to be around {$600.00} more per month. A realtor just valued our property at {$420000.00}. And that is with the inflation of realty costs. 
Loan Depot is who our mortgage is through. I need to know why our fixed mortgage has gone up so much, it can't be just property tax. I don't want to lose my home because of an unfair payment amount. 
Thank you XXXX XXXX XXXX XXXX
Product: Debt collection

We had a XXXX mortgage with HSBC.We received a Cancellation of Debt from HSBC dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. Months later we received another copy of Cancellation of Debt which was dated XXXX/XXXX/XXXX. This form said it was corrected and stated the debt discharged was XXXX.The XXXX discharged {$24000.00}. We heard nothing from HSBC or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At this time we heard from XXXX XXXX XXXX. 
XXXX claimed we owed $ XXXX+with late fees. We were able to get a loan modification on our XXXX mortgage due to my being forced to retire due to health issues and we could not afford our XXXX mortgage monthly payments. We are still struggling with our monthly mortgage payments and we heard out of a 4yr. silence that we owe for a XXXX mortgage. There is no way we can pay this back on our current fixed income.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Today I received my bank statement from Chase for my new XXXX XXXX, I noticed a interest charge, which I could not understand why I was getting charged when I thought my card was 0 % interest for 6 months. I called Chase and was told that the 0 % interest is only for individuals that signup for a XXXX vacation package. I advised the representative that I mislead to apply for this credit, I only purchased tickets for the theme park, I did not buy a vacation package, I do not understand why this option was available to me at checkout when I did not meet the qualifications of the credit card promotion. I thought I had 6 months to pay the credit card off at 0 % interest rate, now I have to pay it right away as the interest rate is outrageous. I also have a new credit inquiry when I would've never applied for this card if those were the qualifications.
Product: Debt collection

I am 11 days late making a payment and they call me up to 10 times a day, some times more
Product: Checking or savings account

XXXX XXXX XXXXXXXX in the amount of {$240.00}, the account was incident happened XX/XX/XXXX, PNC Bank in the amount of {$1100.00}, the account documented the incident happened XX/XX/XXXX, XXXX Bank has no amount documented but has it on my report as Closed-Purge with the date of XX/XX/XXXXXXXX XXXX XXXX also has no amount but has it on my report as Closed-Purge with the date of XX/XX/XXXX, XXXX XXXX has multiple accounts with no amount but as it listed as CLOSED-PURGE, with dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have reached out to every company listed above and advised them I am victim of XXXX XXXX  and identity theft and let know I need all of this removed as I am trying regain control of my life and get on the right track. I am working now and have no bank account currently I only have a savings account with XXXX XXXX because I am unable to have a checking account, due to these infractions on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, 2017 I received information from XXXX XXXX that i was eligible to receive a loan with low interest rate to better my credit score. I spoke to the bank and the intake person on what i would need to get a loan. Which never did. Now i have a hard credit check on my credit score on for two to seven years. 

Your assistance is needed as to how i can remove this from my credit score. 
Thank you XXXX XXXX
Product: Debt collection

I contacted XXXX XXXX they said they don't own this collection it belongs to cbe group. I don't own no collections I wa in jail. they say I owe XXXX I don't own this. Threatened will ruin my credit if I don't pay
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score on my transunion report recently went down by XXXX points. Ive called 3 times to question the reason for decrease. Each representative gave me a different reason why that I disputed as it did not make sense. One rep advised that it was because Id been paying down my debt to aggressively, another rep advised it was because one card had a utilization rate over 50 %. When I transferred the balance the utilization rate was over 75 % and Ive diligently been paying it off. This would not cause my score to decrease XXXX pts in one month. Lastly I was told it was because I paid off a collection account. All of these are just causes for my score to INCREASE! After stating my case repeatedly they agreed they couldnt understand the cause of the decrease and to call the CFPB for help. I am hoping you can please help me investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want an investigation with XXXX XXXX as their seems to be an hard inquiry on me credit report with transunion. I investigate my report on XX/XX/2022 through TransUnion. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX  XXXX bankruptcy. The date I filed bankruptcy was XX/XX/2022. 
I already had an account which was included into the bankruptcy so I never tried to reestablish credit with them after or during my filing process.
Product: Debt collection

I received a letter dated XX/XX/2021 from this company called CKS Financial trying to collect a debt for XXXX XXXX XXXX XXXX in the amount of {$630.00}. Per the letter, they advised that I had 30 days to dispute the validity of the debt. I mailed a response to CKS Financial on XX/XX/2021 requesting that they provide me with proper validation of this unrecognized debt. 

Based upon the information contained in their letter, and my lackof knowledge of an established business relationship, and or obligation withthis company, the alleged debt was disputed in its entirety, including all amounts alleged to be due and owing. 

To my surprise, when I refreshed my credit report today, XX/XX/2021, I see that CKS XXXX XXXX is now reporting on my credit reports across the 3 bureaus! On top of that, they listed a date of last activity of XX/XX/2021. How could their possibly be any activity on an account for which I have no knowledge of and that I have yet to receive any documents to validate this debt? 

How can this company send me a bill to my home and ask that I can request verification of the debt and when I do, not only did I not receive a response but the account was added to my credit report causing further damage to my credit and putting tremendous stress on me because it is hindering my ability to apply for new lines of credit. 

I am including all of my communication with CKS Financial, including the letter they sent to notify me of this debt and my response to them informing them that I dispute this debt.
Product: Credit reporting or other personal consumer reports

Upon further investigation, the following companies ( Capital One XXXX XXXX XXXX XXXX ) has charged off these accounts. This debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness and it is possible that a 1099-C will be issued. WHICH I NEVER RECEIVED. Capital One, XXXX & XXXX in accordance with the Fair Credit Reporting Act have violated my rights. Section 611 ( 15 U.S.C 1681i ) & Section 623 ( 15 U.S.C 1681s-2 ) requires creditors to provide accurate information to credit reporting agencies. The failure of not sending a 1099-C has led to inaccurate reporting. Also, IRC Section 61 ( a ) ( 12 ) states that when a debt is canceled, it is considered taxable income to the debtor, which is why the form 1099-C is NECESSARY. Another law, ( IRC Section 6050P ) requires creditors to file a Form 1099-C for the cancellation of debt if the amount is {$600.00} or more. This form MUST be sent to the debtor. Once again, I NEVER received one from any company listed above. Failure to file this form can result in penalties for the creditor. Please keep in mind when responding to my claim, IRC Section 6721 and 6722, which provides the penalties for failure to file correct information returns ( such as Form 1099-C ). Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

XXXX5 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: Checking or savings account

As a sole proprietor doing business as my name, I applied to open my Huntington Business Checking account ( ending in XXXX ) on XX/XX/2023 and got approved on XX/XX/2023. The account is good and the bank provides great service. But, my business was not very good so far, so I tried to close my business account. When I called the Huntington Bank, the representative told me the only way is to close in branch. However, I already moved out of state and there is no branch in the state where I am living now. They said they could not do anything but asked me to close it in the branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute letter to Capital One Finance and all 3 credit bureaus. My account has 7 inaccuracies. It is well over 30 days again and the account still has 7 accuracies and nothing has been updated or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX Balance : {$2000.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Collection XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$150.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION Collection : XXXX Balance : {$2000.00} Inquiries : XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX