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

I am writing to express my deep concern and frustration regarding the fraudulent items that persist on my credit report, despite my previous attempts to address and rectify this matter. This is my multiple attempt to bring your attention to the inaccuracies on my credit file, and I am disappointed that the issue remains unresolved. 

I provided detailed information and supporting documentation to substantiate my claim. However, to my dismay, the inaccuracies persist on my credit file. 

I understand the importance of accurate credit reporting, and these fraudulent items are adversely affecting my creditworthiness. I have taken all necessary steps to verify my identity and provide the required documentation to support the removal of these items. I expect a timely and thorough investigation into this matter. 

I request that you promptly reevaluate my dispute, taking into consideration the evidence I previously submitted. I also urge you to communicate the results of your investigation in a clear and transparent manner. If additional information is needed from my end, please inform me at your earliest convenience. 

I am prepared to cooperate fully and provide any further documentation required to expedite the resolution process. I believe that the prompt removal of these fraudulent items is crucial to maintaining the integrity of the credit reporting system and ensuring fair and accurate credit assessments. 

I appreciate your attention to this matter and expect a swift and satisfactory resolution. Please acknowledge the receipt of this complaint and provide a timeline for the resolution process. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX  Balance : - XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Balance : {$2200.00XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Credit card or prepaid card

i applied for an increase to my XXXX XXXX XXXX  and was denied so i paid XXXX dollars on my card so i could use it this weekend for my birthday XX/XX/XXXX only to be told after calling XXXX  number at XXXXXXXX XXXX time that there is a ten day hold and my only option is to apply for a credit line increase. No where is this indicated online. if i had not called i would have not known. i am traveling with no funds!
Product: Checking or savings account

I opened a checking account with Chase Bank on on or before XX/XX/XXXX where I transacted a couple of times. I received a letter dated XX/XX/XXXX stating that my account could no the opened due to my credit score. I question the motive behind the closure of my account since I had already received in the mail a welcome letter which included my debit card. I'm in the XXXX XXXX for 28 years and do believe that banking institutions have regulations you are here to uphold as e do in the XXXX XXXX XXXX. Why would they open my account which I asume all relevant due diligence was conducted during my application process, a credit report take s 2-5 minutes to run by man hands, in the event they uses and automated process takes seconds. I question the moraine when Chase bank sends me a letter dates XX/XX/XXXX in response to my complaint call on the XX/XX/XXXX same month. The letter states " The agreement between us either you or us may close the account for no reason. later in the letter they state we are not required to give you a reason for the decision to close your account. when you state originally that the reason for the closure of my account was my fico score which you could have known or did know at the point of my application, why then wait till I used the account, close dry XXXX XXXX XXXX account to leave me with our my money or account. I believe this requires further investigation in your part. I will respect your funding positive or negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was identity theft and the debt is not mine.
Product: Debt collection

On XX/XX/2020, A company by the name of First Direct Mediation contacted my mother and stated that they needed to speak with me about an important business matter. When I called that day, no one answered the phone. I got a phone call on XX/XX/2020 from my ex husband stating that the same individual from that company called and left a voice mail that they were a litigation service on behalf of the school district ( that I work for ) and that a client of the school made a complaint against me. My ex husband was upset because we have not had contact in years, certainly not in the time that the claimed debt, was owed and he was never used as a reference. When I called the number my ex husband gave me, no one answered by First Direct Mediation. They instead asked me how they can direct my call and why I was calling. When I told them I got a call and my name, they switched me over to a Mr. XXXX ( or XXXX ). He confirmed that the debt was passed down from a loan company. He asked if I ever truly intended to pay on this bill and that I was a liar and lying to him. When I asked him about the amount, not only did the amount not match, but the amount I paid and owed was also grossly overstated. I advised him that I would be calling the company direct to confirm where the debt had been sent to. He stated that it's fine and he'll be ready when I call back because they can't help me. After I hung up with him, I called the loan company,. I was advised that my loan had been transfered to collections and the collection company is XXXX XXXX XXXX. She gave me the phone number and this company is not in any way affiliated with First Direct Mediation. They also advised me that there were a number of complaints by customers against First Direct Meditation and others for scams. They do not send their past due accounts to any business by that name. It is obviously a hoax or scam.
Product: Mortgage

Back in XXXX of XXXX, I received a letter from Freedom Morgage that my escrow check had not been cashed in 180 days. I called the company and asked them to have the check re-issued to my current address in XXXX as the house I owned in XXXX was sold in XXXX and I was no longer at the address. The representative tried to initially tell me that I need to update my information online but since paying off my mortgage, I have not had online access to freedom mortgage account. 

I then called in XXXX and asked that the check that was issued in XXXX, be canceled and re-issued to my new XXXX  address. There staff assured me it would be canceled and re-issued within 7 - 10 business days and I expressed I needed the funds for the closing a new house. 

I called Freedom Mortgage after 7 - 10 days and the rep said it was still in progress and needed to wait another few days. Then I call the last week of XXXX, and the representative tells me that the check that was mailed in XXXX was mailed to XXXX address, which was a lie as I never received any direct mail, only forwarded mail. I then asked the representative to cancel and re-issue the check and that I would call daily to check the status. This is where it gets interesting in their lack of documentation and overall care for consumer data. 

I called Tuesday, XX/XX/XXXX, and spoke to XXXX, employee ID XXXX who said that he doesn't see a check was re-issued, then said he did see that was in the process of being re-issued and going to be sent to the XXXX address. Then I receive a call from XXXX, employee ID XXXX, who says that the check was sent to the XXXX address, and that the newly re-issued check would also be sent to the XXXX address. Then I call XX/XX/XXXX and XXXX, employee ID XXXX who tells me the checks were mailed to the XXXX address oringally and that all the information I received up until that point was inaccurate. 

At this point I'm at a loss on how to get my escrow funds that are owed to me so I can assist in purchasing another home. The amount of pain and suffering I've endured is ridicouls for any one borrower to endure especially with all the things that are going on in the world today.
Product: Mortgage

I have been trying for a Loan Modification/assumption for the past seven years plus. 
My late husband and I started a LM in XX/XX/XXXX when he was XXXX. He passed in XX/XX/XXXX. Our loan was fixed at 5.8 % and was at XXXX we were hoping to get a lower interest rate ( I wish I had known then what I know now, we would never have applied, ) Part of the qualification to do a loan modification with XXXX was to be 3 months in arrears and if you paid you did not qualify for a Loan Modification. XXXX had me resubmit several applications for the next two years, giving me one reason after another why I needed to resubmit. Until one day I was told the reason I was not getting anywhere was because I needed to assume as well as modify ( the deed is in my name, but not the mortgage ) The Assumption Packet never came I chased that for several months was told it was mailed .... eventually told there is no Assumption packet just redo another Loan Mod packet and they would get it over to the Assumptions Department This goes on & on & on .... There never was an Assumptions Department at XXXX as I was told by my last Rep at XXXX. NO ASSUMPTION DEPARTMENT!! Eventually it is in the hands of XXXX XXXX XXXX. I was told I qualified, I explained that I had submitted over 17 loan Mod apps with XXXX and sent nearly that many copies of my husbands Death Certificate and will. I also kindly asked they not call the house and ask for my husband as XXXX had done for several years. The rep from XXXX told me things would be different than with XXXX it was now streamlined and regulations in place that I would only have one rep and only have to do one modification. I did four and had two reps. I was told finally that I received the modification I was so happy, only it was short lived ... as they called later that night to tell me I had to come up with the back arrears first, then they would modify/assume. I did not have XXXX that they were asking. ( I would not have been behind at all had XXXX done the modification or excepted loan payments from me after my husband passed. ) XXXX had told me the same thing before they transferred to XXXX and that there was no guarantee that I would be allowed to assume, when I asked if I would get the money back if they did not allow me they said no they would consider it from my late husbands estate. I asked if they would take that chance. No home and no money to start over if I was not allowed to assume. 
The loan is no in the hands of another bank Carrington Holdings LLC, I sent them a Notice Of Error & Request For Information to show that they own the note. It is my understanding by law they have to respond within 15 days it has been since XX/XX/XXXX the XXXX was signed and returned to me but as of yet I have not received any response from them. If anyone has any ideas how to proceed with this please let me know. 
Thank you. Sincerely XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX XXXX Card Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$9700.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$6200.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$4500.00} **Inquiries** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 CFPB complaint # XXXX, XXXX and certified mail was sent to Transuion disputing the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2, XXXX Inquiry date XX/XX/2022, XXXX Inquiry date XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/2022, XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2022, XXXX Inquiry date XX/XX/2022, XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX, Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date, XXXX XXXX, XXXX XXXX Inquiry date XX/XX/2022, XXXX Inquiry date XX/XX/2022, XXXX Inquiry date XXXX XXXX, 2022. 
TRANSUNION failed to respond and investigate said accounts within the 30 day time period. I demand for the said accounts to be remove immediately
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT FROM EQUIFAX AND DISCOVERED THERE WE'RE 3 ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT MINES AND ONE HAD REACHED THE 7 YEAR MARK, I DID AN ONLINE DISPUTE, WHEN THE RESULTS CAME BACK ONLY ONE ACCOUNT WAS DELETED AND THE OTHER 3 REMAINED SAYING THEY WERE VERIFIED. I CONTACTED EQUIFAX BY PHONE AND THE REP I SPOKE WITH I EXPLAINED TO THEM ONE OF THE ACCOUNTS REACHED THE 7 YEAR MARK AND TO PLEASE REMOVE ( XXXX XXXX XXXX ) THE REP REFUSED TO REMOVE. THE OTHER ACCOUNT FROM XXXX & XXXX XXXX I HAVE NO CLUE WHAT THIS ACCOUNT IS. THE REP REFUSED TO DISPUTE THE ACCOUNT AGAIN I ASKED THE REP WHAT KIND OF VERIFICATION DID THE COMPANY SEND AND THE REP PUT ME ON HOLD, CAME BACK TO THE PHONE AND COULD NOT PROVIDE ME ANY EXPLAINATION AS TO WHY AND HOW THIS ACCOUNT WAS VERIFIED. EQUIFAX ARE NOT FOLLOWING THE PROPER PROCEDURES UNDER THE FAIR CREDIT REPORTING ACT. THE COMPANIES CAN'T PROVIDE WITH ME ANY ACCURATE INFORMATION SO HOW ARE THEY VERIFYING THAT THESE ACCOUNTS BELONGS TO ME. I WANT THESE ACCOUNTS DELETED OFF MY CREDIT REPORT FOR FAILURE TO PROPERLY VERIFY THAT THEY BELONG TO ME, AND THE UNIVERSITY HEALTH HAS REACHED THE SOL AND NEEDS TO BE REMOVED
Product: Debt collection

Debt is Duplicate, the account was sold without my permission. 

In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions. 

Request validation of debt the collector must provide you with certain information, including a written verification of the debt, if requested. 

original contract payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a difficulty in having a bankruptcy removed from my Experian Credit Bureau Credit Report. 
They are indicating that the information on the report has been Verified. On the report it indicates that the report was furnished by the District Court. 
None of this information is accurate because the Court has indicated to me through a letter that they do not furnish information to any Credit Bureaus. 
What I know is that the credit bureau gets its information from a third party, XXXX which sells the information to them. XXXX being a " for profit '' company. 
Therefore, the information which Experian is reporting is not accurate as well as false information. This is a clear violation of the Fair Credit Reporting Act. 
I have sent multiple letters, on XX/XX/XXXX and on XX/XX/XXXX The company continues to maintain their position that the report has been Verified.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These companies are not the original creditors. They are claiming to be original creditors, and reporting on my credit charging interest, however they have not been able to provide me with any original documents, signatures or proof. Information they have on file is inaccurate and does not match. I want these items deleted from my report if they can not prove my address, zip and information within 30 days as required by law, and I also did not furnish any of these accounts with written instruction. They violated my rights. 

They are not the original creditors, and do not have any documentation on file. 

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

To whom it XXXX concern, This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : XXXX. Proof of contract to establish that your company was entitled to enforce a commercial claim against me. 
XXXX. Provide me a certified copy or an original contract, with my signature. 
a. Certification can be done through the presence of a XXXX XXXX, who duly swears that the copy is a copy of the original contract in question. 
XXXX. Send me proof that your company notified me before or no later than XXXX ( XXXX ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place. 
a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly. 

Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than XXXX ( XXXX ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I XXXX do XXXX or more of the following : XXXX. XXXX a complaint with the Attorney General XXXX. XXXX a complaint with the Federal Trade Commission XXXX. In addition, by previously using the mail to collect on this account you XXXX also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section XXXX XXXX. XXXX, which I will file a complaint with the XXXX XXXX XXXX against you. 







By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Product: Credit reporting or other personal consumer reports

I discovered some instances of old accounts for which are unlawfully displayed on 1 credit file. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. The following account ( s ) with US DEPARTMENT OF EDUCATION, account number ( s ) XXXX should be DELETED from XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence of why the information on any and all consumer profiles are not the same or accurate. If unable to furnish such proof, I demand that these accounts be promptly DELETED to reflect their true status.