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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$790.00} ; XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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/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

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

RECEIVABLE MANAGEMENT is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
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 Account Number:XXXX  Account Name : XXXX Account NumberXXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

I disputed an account reported on my report and asked for proof of verification of accuracy of a {$240.00} collection on XX/XX/XXXX. As it shows on the certified receipt it was received on XX/XX/XXXX. I received a report stating the item was verified but zero documentation of how it was verified, which was specifically requested. 
On XX/XX/XXXX I submitted a second request asking how the item was verified and with whom. That letter was recieved on XX/XX/XXXX. I recieved a report that the item was updated but still no information of how this item was verified to be accurate.
Product: Debt collection

To whom it may concern, On XX/XX/2019 ( inaccurate date ), a collection company named Southwest Credit Systems was inaccurately reported to my XXXX, XXXX, and XXXX  credit report. Southwest Credit Systems is claiming that I owe {$200.00}. I and a Credit Repair Specialist disputed this issue against the creditor by contacting them directly while also disputing the collection with the credit bureaus via written letters recently. Each dispute letter that was sent respectively asked for documented and written proof that I owe a debt to this creditor. Both Southwest Credit Systems and the credit bureaus refused to provide signed documentation for the debt listed above. Instead, they sent copies of my credit report. The issue has still not been resolved.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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

In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX 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: Debt collection

Called friends and family members claiming the would call my work, and legal action would be taken if unspecified date was not paid.
Product: Mortgage

I am not positive of the dates, but for months I have tried to update the mailing address on my account. It says XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX but I do not even live in that state. I reached out for help on the contact us form online. I received an email stating the address is unable to be updated due to a cease and desist. I emailed back that I didn't know what that meant. No response. I called on XX/XX/year>25 and was again told that it could not be updated by the rep. They would have someone contact me. 

I checked my credit report today and that address is listed as a place I have resided at. I can't dispute it because it says the address was provided to them from Data Mortgage, which XXXX and Data Mortgage are showing up on my credit report as potentially negative. My mortgage went up about XXXX a month. I had no idea because the TN address is listed as my mailing address. I was mailing bank checks to XXXX per their request and then I happened to check the customer portal to find a letter stating that my payment wasn't enough to bring me current so they are sending it back. Two months ago I called and asked what I needed to pay to bring my account current. I then paid that amount. Then I paid what I thought my monthly payment was for XXXX, & XXXX. I even called a week and a half ago to confirm that I was current because I received a certified letter from XXXX I think it was regading possible foreclosure. When I called XXXX the rep said that I was current and to disregard that letter and said they don't even work with them. So I was shocked to log into my portal a few days ago to see the letter about my check not being enough and they were sending my bank check back for over XXXX. Then to call on XX/XX/scrub>/25 and be told that my only past due amount was the payment that was due on XXXX, but like I said it's now a little over XXXX a month. Apparently, it's been like that since XXXX, but I no longer get mail to my address. I hadn't been using the portal because they had me sending bank checks so since I no longer paid online I didn't have the need to go on at all. I also never selected to go paperless
Product: Credit reporting or other personal consumer reports

My federal student loans through Mohela were forgiven XX/XX/2023 but are still being reported as if not closed and show original balanced. I have asked the company to update all three credit bureaus and have been ignored. This information is inaccurate and needs to be updated immediately.
Product: Money transfer, virtual currency, or money service

The Complainant was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX XXXX XXXX, which solicited the Complainant to invest substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. All such transfers were made through the Complainants wallet hosted by Coinbase. 
The Complainant considers the beneficiary wallets being an integral part of the fraudulent scheme behind XXXX XXXX XXXX. The Complainant also know that under the so called travel rule, XXXX XXXX XXXX XXXX ( XXXX ) are put under certain obligations, which include collection and keeping record of information about the beneficiary wallets, especially about if the beneficiary wallet is hosted ( including which is the hosting exchange ) and/or if the beneficiary wallet is unhosted. Based upon the understanding that Coinbase is acting compliant and will provide the due care towards its own wallet-holders, the Complainant addressed a relevant request for provision of information. Such letter was solely based upon the assumption that : ( a ) Coinbase should have collected the requested information as a part of their regulatory obligations ( if it has acted XXXX compliant as it declares and advertises ) ; ( b ) neither part of the requested information requested is considered confidential and is not protected under any law ( it does not qualify under any rules as personal information ) ; and ( c ) the complainant has justified legal interest to have knowledge about the beneficiary wallet holder and about the crypto-exchanges that possibly hosted wallets, to which the complainant made transactions. Unfortunately, Coinbase has not provided any response to the complainant 's justified request. By ignoring the request, Coinbase failed to provide the required information about the XXXXs hosting the beneficiary wallets, where the complainant has made series of transactions to, respectively information that the beneficiary wallets were not hosted by a XXXX. By so doing, Coinbase does not refer to specific legal grounds, which justify their decision not to provide the required information. On its own, this hinders the consumer to make feasible use of its protected legal rights.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, 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 these accounts. Actually I am not sure that the account is even mine 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 ( XXXX ), and XXXX XXXX XXXX, Equifax, 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 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

Midland Credit Management is attempting to collect on an alleged debt that i have no knowledge of. I never received a written notice to dispute or request validation of this alleged debt prior to XXXX  reporting this invalid information to all three credit bureaus
Product: Mortgage

At the end of XXXX, I decided to move forward with my mortgage refinancing. HSBC advised on the phone that closing costs would be around USDXXXX. On XX/XX/XXXX I received a letter from HSBC estimating the closing costs to USDXXXX. 

Ahead of the closing process, I had told HSBC that I will be on vacation a week before the closing date. Closing occured in Mon XX/XX/XXXX and I received the closing costs details on Friday XX/XX/XXXX from HSBC lawyers. The process was hectic but realised that closing costs had jumped by almost USDXXXX which is not a small amount of money. 

I took a closer look at the closing costs and noted an increase in USDXXXX in origination costs and additional fees that were not mentioned in the estimation dated XX/XX/XXXX such as : Title - XXXX XXXX to XXXX XXXX XXXX XXXX {$60.00} Title - XXXX Fee to XXXX {$55.00} Payoff Attorney to XXXX XXXX XXXX XXXX & {$650.00} I called HSBC and a person explained to me that the originator fee had increased because of the higher XXXX ( market value had decreased ). I had not been made aware of that and the HSBC agent who was in touch with me did not bring this to my attention which is disappointing. 

The HSBC agent was on vacation during closing week, which I just discovered when sending her an email to get explanation on Closing Date.
Product: Credit card or prepaid card

XX/XX/2020 purchased skincare products that was guaranteed to make your skin look younger and less wrinkles. Was told to use it for at least a month. So she did and it didn't work at all. So she filed a dispute and the card company say they couldn't do anything about it because the company didn't have a return policy. However I didn't know anything about it. XXXX XXXX isn't very educated she can't read or write and wasn't told anything about no return policy or she wouldn't have purchased something you couldn't return if it doesn't work. She spent {$2600.00} this company was preying on her because she is elderly and not educated. The credit card company is Bank of America. The company was XXXX XXXX. This is XXXX XXXX 's daughter helping her fill this out. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX Account Number : XXXX Balance : {$1200.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$64000.00} Account Name : XXXX  Account Number : XXXX Balance : {$2000.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$44000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$3800.00} *** KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM *****
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is not right and old accounts are still there and I want it off my report even old inquiries I want off of there need to be removed time is of the essence
Product: Credit reporting, credit repair services, or other personal consumer reports

HARASSMENT : I have several dispute trying to remedy your mistakes in my Credit Report about my Bankruptcy. My Bankruptcy is more than 10 years old. This mistake has been impacting my financial status, causing irreparable damage in my economy. The investigation conducted by Experian Company and XXXX about the time of my bankruptcy took less than one week. I contacted the United States Bankruptcy Court XXXX XXXX to get more information about my bankruptcy and the response was they do not report at any Credit Bureau XXXX I contacted the XXXX XXXX XXXX XXXX too and I received from them an email saying that they need information about myself. So if they don't have my information, in this case how can the company report any information. Otherwise, XXXX XXXX made the same investigation about my issues with my Credit Report and took my case seriously and Deleted it from my Credit Report. 
Then, why does Experian and XXXX doesn't take my dispute seriously, I am taking this flippancy as Harassment, just because I am XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX  XXXX for their failure to accurately process my XXXX mortgage payment. 

On XX/XX/XXXX, at XXXX XXXX, I made my monthly mortgage payment through XXXX XXXXXXXX XXXX online portal. Despite making the payment before the end of the month, their system erroneously recorded it as being made on XX/XX/XXXX. 

I promptly contacted XXXXXXXX XXXX XXXX customer service department on XX/XX/XXXX to address this issue. I spoke with multiple representatives, including XXXX, XXXX, XXXX, and was escalated to XXXX, They all insisted that the payment was not made in the month of XXXX, but it was. 

Despite the clear evidence and multiple confirmations, XXXX XXXX  has refused to acknowledge that the payment was made on the correct date. They are now threatening to report a 30-day late payment on my credit report, which will have a significant negative impact on my credit score. 

Furthermore, XXXX XXXX  is also reporting rolling 60-day lates from XX/XX/XXXX, to XX/XX/XXXX. This inaccurate reporting is causing me extreme stress and frustration. 

I believe that XXXX XXXXXXXX XXXX actions are a clear violation of consumer protection laws. I request that the CFPB investigate this matter and take appropriate action to hold XXXX XXXX  accountable for their misconduct. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have already submitted a complaint regarding Alleged Mortgage Servicer " XXXX XXXX XXXX ''. This is a separate complaint regarding the same company as I have recieved documents from a Trustee indicating that the XXXX parties are involved in conspiracy to break the law : Most immediately, Quality Loan Service Corporation XXXX XXXX XXXX has informed me that they will be engaging in a non-judicial Foreclosure while at the same time Select Portfolio Servicing is humoring me in the loss mitigation process. This indicates that XXXX or XXXX parties are engaging in the crime of dual tracking. Ironically, this falls on the heels where I have been proactive in threatening a lawsuit against XXXX for various violations including a complaint failure to answer a Respa Qualified Written Request.
Product: Debt collection

this company is reporting to all three credit bureaus ( XXXX, transunion, and XXXX ) on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

TransUnion is repeatedly re-opening closed accounts and failing to report accurate accounts after disputing on several occasions. This is absurd!
Product: Student loan

On various dates, XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX, and still I keep getting various calls from Navient ( based on my caller id ). They leave no response as to who they are when leaving a voicemail. I have stopped answering their phone calls because of them calling me no less than 5 times a day, or more. I've tried to get my payments lowered numerous times. They keep telling me that there is nothing they can do to lower my payment because of it being a private loan. If I CAN'T make a payment, what am i supposed to do? I don't feel comfortable talking to them, because the last few times I have tried to reach out to them they were short and snide with their remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to CREDIT BUREAUS on XX/XX/2022 to remove XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$780.00} ; XXXX XXXX XXXX XXXX XXXX : 10 XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} that are UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX, XXXX, and TRANSUNION are required to remove any items or information not later than 4 business days after the XX/XX/XXXX letter.Ive already included this in my previous Complaint # s XXXX, and XXXX & I am including it again.