23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX, PLAINTIFF GREENTREE LLC, their attorneys XXXX XXXX AND XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX XXXX COURT REPEATEDLY REFUSED TO PROVIDE ME my Qualified Written Request under the Real Estate Settlement Procedures Act ( QWR RESPA ). I sent several QWR RESPA To PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX when I learned that a Foreclosure COMPLAINT was filed on my property. PLAINTIFF GREENTREE and their attorneys XXXX XXXX AND XXXX received my RESPA QWR certified priority overnight on XX/XX/XXXX. The letter was not acknowledged. The second request was certified in my Contesting Answer, and Counter Claim for Wrongful Foreclosure on XX/XX/XXXX. In my certification to the Court, I asked the Presiding Judge to Compel RESPA and Award statutory fines. On XX/XX/XXXX, at a Case Management Hearing XXXX XXXX XXXX XXXX, in XXXX, XXXX I asked the presiding Judge XXXX to compel RESPA, and for statutory fines, and she stated that my request would have to wait for trial. On XX/XX/XXXX, I filed another motion to Compel, and explained in great detail why I was requesting RESPA, and other Discovery so that I can properly defend my position before for trial. I was later DENIED by the COURT on XX/XX/XXXX. On XX/XX/XXXX I sent another certified letter to PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX, and received a response in a letter dated XX/XX/XXXX from XXXX XXXX AND XXXX XXXX XXXX. The letter states, " Please be advised that this office is in receipt of your correspondence to us dated XX/XX/XXXX and received in this office on XXXX XXXX, which purports to be a Qualified Written Request under the Real Estate Settlement Procedures Act ( RESPA ), with respect to the above referenced loan. Pursuant to RESPA, please be advised that XXXX, XXXX will provide a response ( to the extent appropriate ) by XX/XX/XXXX. To date I have not recieved my RESPA, and these dilatory actions have adversely affected me since I have not been able to complete Discovery, and a pending motion for summary judgement will be heard today. In addition to the lack of compliance by GREENTREE LLC and Attorneys XXXX XXXX and XXXX, XXXX XXXX is lending institution that is not affiliated or assigned to my Mortgage, and do how is XXXX managing my loan? Previously, I did send RESPA QWR to the XXXX XXXX XXXX, but XXXX refused to provide to me a physical address, and my letters to a XXXX XXXX XXXX unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 
there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX Account Number : XXXX Delete From My CREDIT REPORT 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 



14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 15. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refused to permanently remove late payments shown for three XXXX XXXX loans that I took out in XX/XX/XXXX for each of my XXXX sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by XXXX. I am currently a XXXX XXXX. When XXXX advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, XXXX insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX  District of Oklahoma sits, recognize that Tuition Answer loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with Navient evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in XXXX removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, XXXX and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. 

My primary issue is with XXXX. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken
Product: Debt collection

Balance Healthcare Receivables LLC sent me a deceptive form stating that I owe an alleged debt and to pay them. I owe no such debt and I refuse to pay this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on increasing my credit score for years. Ive been continuously applying for student loans, but not getting approved. I could never understand why, until I applied for a private loan from a bank. They sent me a letter explaining their reasoning of denying me ; but once I saw the credit score they stated was my credit score. it was significantly incorrect, and this information was distributed by Equifax. So I decided to make an Equifax account to investigate this score. Once I accessed the account I saw over 5 different accounts that did not belong to me. They belonged to my brother, who is significantly older than me but we have similar names. 

I continuously contacted the company for hours and days with no positive result. I need this fixed to be able to apply for my student loans and pay for my education.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$350.00} XXXX XXXX {$350.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$410.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$470.00} XXXX XXXX {$350.00} XXXX XXXX {$660.00} XXXX   XXXX {$660.00} XXXX XXXX {$3500.00}
Product: Credit reporting or other personal consumer reports

These accounts isnt mines. It was opened with out my permission. Fraud reporting on my credit profile.
Product: Money transfer, virtual currency, or money service

I am writing to submit a complaint regarding the permanent limitation that was recently placed on my PayPal account, which is registered under the email address XXXX. I would like to appeal this decision and request that PayPal re-investigate my case, as I believe that this limitation was placed on my account by mistake. 

Firstly, I would like to emphasize that I have not violated any PayPal policy. I have always made sure to comply with PayPal 's terms and conditions and have never engaged in any fraudulent or illegal activities. Therefore, I am confident that there must have been an error in the information or evidence that led to my account being permanently limited. 

I understand that PayPal takes its policies and procedures seriously, and I respect the company 's commitment to safeguarding its platform against misuse. However, I would like to request that my case be re-evaluated, as I am certain that there has been a misunderstanding that led to the limitation of my account. 

In light of the above, I kindly request that PayPal reviews my account once again and consider restoring it to its previous status. I would be grateful for any assistance that can be provided to resolve this matter promptly. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Bank account or service

I received of Debit card from BofA and within 2 months the chip stopped working. I am very cogniscient of the need to protect a card with regard to magnitization however when I reported this to BofA the only response was that I had to pay a {$5.00} fee to replace the card. I have gone several months without using the chip feature however it has gotten to be such an annoyance that I have finally given up and ordered a replacement and paid the {$5.00} FINE
Product: Student loan

My educational institution, XXXX XXXX XXXX XXXX XXXX XXXX, initiated my repayments in XXXX through UHEA ( XXXX ). At that time, I owed approximately XXXX, XXXX dollars. Through a deferment, inability to " communicate '' with XXXX, getting conflicting information from them when they would respond, there total lack of cooperation in providing statements and other loan specifics as well as my own ignorance in just refusing to deal with them or my loan for about 2 years, I have since paid approximately XXXX dollars to them and still owe them approximately XXXX, XXXX dollars. I am nearing retirement and do n't feel I can maintain these payments much longer as I will not have the money. It trying to work with them to settle the loan, I received but rude and degrading comments. I am at my wits end about it.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed some fraudulent accounts and unauthorized inquiries appearing on my credit report I have attached supporting documentation.
Product: Credit reporting or other personal consumer reports

Im attaching an FTC report with XXXX fraudulent accounts to be blocked removed under FCRA 605B as I have been a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This does not XXXX after viewing my credit report it is till in accurate, they are showing my creditCredit cards or credit lines Total balance : XXXX  a XXXX credit line of XXXX and a XXXX of XXXX this is in accurate information the XXXX  reports as a charge off which under the 15 U.S.C. 1681 - U.S. Code must report correct information I want the XXXX  removed as a line of credit do the incorrect amount which was a XXXX dollars and the account has been sold and use as a tax write off
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/17 in regards to a collection account on my credit report. The company responded to the complaint and stated they would send validation of said account. I never received validation and I am demanding that this account be removed from my reports. It is negatively affecting my credit score and hindering several processes.
Product: Credit reporting or other personal consumer reports

there is incorrect information on my report addresses XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX there is also inaccurate inquiries on my report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE HOMEDEPOT CREDIT DEPARTMENT MADE A CHARGED TO MY ACCOUNT OF ALL THE AMOUNT OWED AND THEN CLOSE MY ACCOUNT WITHOUT MY AUTHORIZATION. WHEN I FOUND OUT I CALL AND REQUEST MY MONEY BACK AND THEY DID RETURN MY MONEY, BUT IT IS AFFECTING MY CREDIT REPORT. HOW CAN I FIX THIS?
Product: Credit reporting or other personal consumer reports

XXXXSubject : XXXX Notification of Deleted Account from XXXX Credit Report and Request for Action by Credit Reporting Agencies Dear Credit reporting department , I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and the credit reporting agencies of the recent deletion of a charge-off account from my XXXX credit report. The account in question is related to XXXX  XXXX and XXXX  XXXX XXXX and had a balance of {$13000.00}. 

On XX/XX/year>, XXXX completed an investigation of a dispute I filed regarding this account. As a result of the dispute, the account was deleted from my XXXX credit report. This deletion indicates that the information regarding this account was unverifiable or inaccurate. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that the major credit reporting agencies ( XXXX, XXXX, and TransUnion ) also investigate this account and remove it from my credit reports. Since XXXX deleted the account, it is clear that the information is no longer verifiable, and as such, the credit reporting agencies should do the same. The FCRA requires that information reported on credit reports must be accurate, complete, and verifiable. 

Specifically, I am requesting that you take the following actions : XXXX. Investigate the XXXX  XXXX and XXXX  XXXX XXXX charge-off account that appears on my credit report. 
XXXX. Remove the account from my credit report if it is not verified or proven to be accurate. 
XXXX. Complete this process within 30 days of this letter, in accordance with the requirements of the FCRA. 

As a consumer, I am protected by the following key consumer laws : - XXXXFair Credit Reporting Act ( FCRA ) XXXX  : Under 15 U.S.C. 1681i, if information in my credit report is found to be inaccurate or unverifiable, it must be removed. The FCRA requires that credit reporting agencies ensure that the information they report is complete and accurate. 
XXXX XXXXFair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Under 15 U.S.C. 1692e, if the debt is not verifiable, the creditor or debt collector is prohibited from reporting it to credit bureaus. 

If this information is not removed from my credit report within 30 days, I will consider pursuing legal action under the FCRA and FDCPA. These laws provide consumers with the right to file a lawsuit for damages, including statutory damages, actual damages, and attorney fees, if a credit reporting agency fails to comply with the law regarding the accuracy and completeness of information. 

I urge you to act swiftly in this matter to avoid further legal actions. I look forward to your prompt resolution of this issue. 

Thank you for your attention to this matter. 

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

My medical transaction is being reported on consumer report which is a HIPPA violation. No medical information should be reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXXXXXX Balance : {$760.00}, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00}, XXXX XXXX Balance : {$3200.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; Child Support Date Filed/Reported : XX/XX/2023 Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed an auto loan account ( XXXX ) in XXXX because it randomly appeared on my credit. Experian stated that XXXX responded that they certify the account belongs to me. 
I asked Experian to send me any documents that XXXX sent but I havent received anything. I called XXXX customer relations department on XX/XX/XXXX to get the information that Experian cant seem to provide. I explained to the representative at XXXX customer relations that a delinquent auto loan account appeared on my credit over a month ago. I provided my email and was told someone would look into the situation. I received a call back a few days later and the representative told me I needed to reach out to XXXX credit department. They would be the department to dispute any fraudulent accounts. After finally getting a hold of someone I explained the same situation about an auto loan account appeared on my Experian Credit Report that wasnt mine. I provided my name and last XXXX of my social and even the fist few digits of the account number that appeared on my credit report. On XXXX recorded line the representative stated that she didnt seem any auto loan under my information. I volunteered my full social just in case someone else shared the same last XXXX digits of my social. She then put me on hold and the told me all she saw was inquiries but no account. I was told that they cant dispute the inquiries. I was told I would receive a fraud form to my email in which I never received. I also explained to her that I had previously disputed the account and told the representative that Experian results stated that XXXX said they certified it was correct. The XXXX representative in the credit department denied claims that they told Experian that it was my account because she said based of the information it XXXX would have deleted the account. So now there is a bigger issue. Either Experian is not actually disputing the account or XXXX doesnt want to take responsibility. This is defamation and violation of the FCRA. This has hurt my credit. I mentioned to the XXXX rep in the credit department that is pending dispute again and she stated she didnt see a dispute. But on my credit report it is being disputed. So now one can seem to verify this debt by sending me actual documents.
Product: Credit card

I recently disputed the fraud alert on my credit report and it was reversed.Son it has now been taken off If my address is not in the zip cod of XXXX this is not me and my updated phone number is XXXX i have taken extra measures in hopes that this does n't happen again.Please ask for the sec. word that starts with XXXX THANKS, CALL ME IMMEDIATELY IF THERE ARE ANY QUESTIONS OR CHANGES.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2013 a Collection account was placed on my credit file. Amount {$240.00}. 

There has been no notification of this debt. I have mailed this collection agency twice with no response.