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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

Its report on my credit that I dont recognize, Experian my address is XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX That needs to be removed
Product: Credit reporting or other personal consumer reports

I have been trying to get the information that is on my credit report removed and deleted but the credit card agencies would not so now I had to file a identity theft report besides giving each company a copy of my police report. But now I havr and FTC report done as well to have these credit cards removed from my credit report asap. The FTC reference number is XXXX
Product: Credit reporting or other personal consumer reports

It is crucial to highlight that this complaint is not an oversight, but a genuine concern about the presence of false and unreliable information on my credit report. These inaccuracies have caused undue stress, and I am experiencing negative effects as a result.
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 accounts and information 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 any accounts and information listed on an IDTHEFT REPORT. 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 items which do not belong to me or were opened without my permission : 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  XX/XX/2022. 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

I have repeatedly contacted XXXX XXXX and asked them to send me proof that XXXX accounts belong to me. They are XXXX duplicate accounts, but just have different account numbers, but all the other information on the credit report is accurate. Every time they tell me they can not verify that it is mine, they just tell me it is without any proof, and tell me to contact the original debtor. So I contacted the original company and they do n't have any information about the account and it is a circle of forwarding to different companies who each do not have any information about any account that belonged to me. Eventually I was forwarded back to XXXX XXXX. I informed them about this, yet they refuse to remove the accounts. I contacted Equifax about it ( the only credit bureau with these accounts in them ) and they say they 've " verified the information '' yet how can they verify if when I call to verify they do n't have any relevant information for me. I do n't have any documents because the account is n't mine.
Product: Mortgage

I have attempted to resolve the problem with the servicer. I sent qualified written request as well as debt validation notices. I have concerns about the assignment that was recorded from XXXX XXXX XXXX according to my deed of trust XXXX was not listed and that is who I originated the loan with. My original loan number was XXXX and the new loan number is XXXX. This altered the contract that I made and agreed to and signed in 1997.
Product: Debt collection

For several months, I have been receiving calls from XXXX at Green Tree ( XXXX ) looking for an " XXXX XXXX. '' I have told him repeatedly that he has the wrong number and to stop calling me yet he continues to call me and question me of whether I know XXXX or not. Once he even left a message saying he needed to confirm the vacancy at XXXX XXXX XXXX. I do n't know XXXX XXXX but it 's concerning that XXXX is quick to give out confidential information like this. Just this month, I 've received calls from XXXX at Green Tree on XXXX, XXXX, XXXX, XXXX on XXXX, XXXX and today. I have saved all voice messages from him this month as I refuse to speak to him any more. Please make this company and gentleman stop calling me. If you are not the correct place to contact, please point me in the right direction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived and worked in XXXX XXXX since XXXX and the only accounts that I have are student loan accounts. Between XXXX and present, someone has stolen my identity and used it to build credit and then take out high value credit cards, run up the balance, and then have them go into collections. XXXX as used to build up this credit. Bank accounts for were opened in my name, phone and utility accounts. 

XXXX  refuses to admit fault in allowing these these accounts to be fraudulent accounts. I have filed police and ftc reports. They just keep saying public information points to these being accurate but my entire identity Ive true past 7 years has been a fraud as I simply dont live in the XXXX XXXX All my credit is in XXXX XXXX where I live and work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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

Hi, I want to start off by saying no one prepared this dispute for me, I worked hard to research what to do in my situation. I just want it to be known that I XXXX XXXX prepared this document. I was trying to re finance my house and ran into a problem. I pulled my report and found some disturbing things. There were accounts that belonged to someone else, or someone has opened accounts in my name. I found numerous errors on my credit report. I haven't signed, nor opened any contracts with any of these companies listed in the Ftc report. I am a living human being, and I have been wrongfully taken advantage of. I have rights under 15 USC 1681. Transunion, XXXX, and XXXX has allowed for these creditors to violate me numerous of times. I demand these accounts listed be removed according to 15 USC 1681 I have a right to privacy and I did not give the 3 bureaus, these other creditors to furnish these accounts. It is illegal for an account to be opened without me giving consent to it, which I haven't ever been in contact with any of these companies. There are two more fraudulent accounts that was opened in my name XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX account # XXXX, once again I repeat, I did not give consent for these accounts to be opened. These should be removed as well as these un authorized hard inquiries, and these inquiries are attached to an open account, so in other word could you please remove these XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the attached document to XXXX, Transunion and XXXX on XX/XX/XXXX and have not received a response or documents to validate the listed items on my consumer report. As of today XXXX/XXXX/XXXX these items are still listed on my consumer report. Below I have listed the accounts names and number that are showing on my consumer report that I requested to be verified since I do no recognize these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date : XX/XX/XXXX Dear Credit Reporting Agency, I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX XXXX XXXXXXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXXXXXX XXXX XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report.
Product: Mortgage

We completed a refinance that closed on XXXX XXXX, 2015. As part of that closing, {$3300.00} was to be applied to principal reduction ( i.e. the refinance amount was larger than what was needed to pay off the old loan and closing costs ). 
Several months have gone by, and I have asked my bank repeatedly for an explanation on where that principal reduction appeared on my statements, and they have not been able to communicate this. 
I see that on XXXX, a curtailment amount of {$400.00} was applied, but {$2900.00} remains unaccounted for. 
The bank 's mortgage transaction statements are totally confusing and not clear.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX and XXXX XXXX were reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Mortgage

Dear CFPB professionals, I recently financed my home and at closing I was told I could make early half payments ( twice monthly ) and 15 days of interest would be saved on the early half payment. 
A few months later, a company named Stearns ( XXXX. XXXX XXXX XXXX XXXX, Va XXXX ) purchased my loan. 
On or about XX/XX/XXXX, Stearns representative " XXXX '' told me that early payments get put into a " suspense bucket '' and held until the rest of the payment is received. 
When I explained that they were altering the agreement set forth at closing to the disadvantage of their customers, she told me that was their policy and gave me the email address to their customer support. 
I emailed Stearns customer support on XXXX. XXXX with a carbon copy sent to my mortgage broker ( a witness to the agreement at closing ) stating that their policy does not give them the right to alter the terms of loans they purchase. 
They replied with a canned pass the buck email and assigned my case a ticket number XXXX, I have not heard back from them since. 
I sent follow up emails and got the same canned pass the buck email which appears to be generated by an email auto-responder because it doesn't attempt to answer even simple questions like " is my case being reviewed? '' " if not, how long will I have to wait '', etc. 
On XXXX. XXXX, I also sent them a copy the " Closing Disclosure '' document ( attached ) that I received at closing explaining my Loan Terms and clearly stating that this loan has no prepayment penalty features, I received the same canned pass the buck email back. 
Holding my partial early payment for 15 days while still collecting the interest on that already received payment, is a significant penalty that will add years to the loans payoff date. 
I also asked them in an email to send me the portion of the loan agreement, stating that they could hold an early partial payment for 15 days and continue to charge interest on that already paid amount, I received the same canned pass the buck email back again. 
I followed up with a call on XXXX. XXXX and their representative gave me the same " suspense bucket '' answer over the phone. 
She couldn't even update me on my case when I offered her my ticket number. 
I also have a chain of emails I can attach, if this would be helpful? 
Please investigate this and make them fix it, their " policy '' appears to be to alter loan agreements that they purchase to the customer 's disadvantage. 
Nice way to treat the people who bailed out their industry during the 2008-2009 financial crisis. 
Sincrerly, XXXX XXXX
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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

On two or more occasions, I contacted Upstart loan 's customer service regarding a {$15.00} late fee on my account. During these interactions, the customer service representatives assured me that the late fee would be removed from my account. Despite these assurances, the late fee was not removed. Consequently, the {$15.00} late fee was reported to the credit bureaus, which has negatively impacted my credit report. 

The first incident occurred when I spoke with a customer service representative who promised that the late fee would be waived. However, upon checking my account, I discovered that the fee was still present. Believing this to be an oversight, I contacted customer service again. During this second interaction, another representative reiterated that the late fee would be removed. Unfortunately, this did not happen, and the fee remained on my account. 

Ultimately, the {$15.00} late fee was reported to the credit bureaus, which has caused unnecessary stress and potential damage to my credit score. The repeated assurances from Upstart 's customer service representatives that the fee would be waived, followed by their failure to take action, constitute a significant breach of trust and have had adverse consequences for my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, US DEPT ED account # XXXX, XXXX account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXXXXXXXXXX XXXX  account # XXXX, XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXXXXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS THE NERVE TO SEND ME A LETTER SAYING UNLESS YOU SEND US ADDITIONAL RELEVANT INFORMATION TO SUPPORT YOUR CLAIM WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN!!!!? THE NERVE REALLY!! HOW ABOUT STOP WASTING MY TIME AND MAKE IT RIGHT!!! 

ATTACHED IS MY CREDIT REPORT THAT THEY'RE SAYING IS SOOO ACCURATE!! GIVE ME A BREAK!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX {$3200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX  OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018.
Product: Credit reporting

I revieved a notice on my credit reporting service ( Experian ) that I had a pending Inquiry. I looked into the XXXX inquiry and it was stemming from my previous apartment complex ( XXXX XXXX At XXXX XXXX ). The XXXX said that my account was closed and that I should not be hearing from XXXX. They also stated they do n't work with XXXX and sent my my final invoice showing XXXX balance. Experian opened a case on my behalf but XXXX would not agree to even though I have documentation showing a zero balance from The XXXX. Experian closed my case and stated that I should report to CFPB.
Product: Student loan

As a full-class member of the XXXX XXXX XXXXXXXX settlement agreement, my discharge and refunds were to be fully completed by XX/XX/XXXX, as part of the court order. My discharge did not happen and I have not received the refunds. 
According to both Mohela and DOE, Mohela was provided the necessary information from DOE to fully discharge my loans as of XX/XX/XXXX. It is now three months later and Mohela has still not followed through on their responsibilities. 
Further, in my previous complaint to CFPB, Mohela had advised they had received the information to discharge the loan and were " looking forward to discharging the loan in the next few weeks '' ( that was in XX/XX/XXXX ). Mohela has been dishonest to me and to CFPB. I am desperate to have this resolved and have my loans discharged, as I am legally entitled to under the XXXX XXXX XXXXXXXX settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX have XXXX  XXXX banruptcuy on my credit report that i was not eligible to receive until XXXX, i was discharge in XXXX under XXXX  XXXX you can not filed again until XXXX, these credit bureau has XXXX  XXXX from XXXX to XXXX, i was not eligible to filed until XXXX, you only filed a XXXX  XXXX every 8 years from the previous.
Product: Debt collection

I have received phone calls on my personal cell phone from Ally Financial , Inc. ( " Ally '' ) every weekday morning for the past two weeks. Ally is calling to collect on a debt owed by someone who I do not know and have never interacted with. Each time they have called, I have told Ally that they have the wrong number and that I do not know the person they are trying to reach. I have also requested multiple times that Ally stop contacting me because I am not the person that they are trying to reach. Further, I do not have a bank account with Ally Bank and have never utilized any of the financial or lending services offered by Ally Bank.