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

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXXXXXX XXXX XXXX - Account XXXX
Product: Debt collection

National Credit Systems Inc is reporting a debt that was paid in full on XXXX2021 in the amount of {$1500.00} yet they continue to report this item as unresolved. Pursuant to the FCRA the FDCPA and the FCBA ... .this is in violation of several federal laws
Product: Debt collection

I just last month got a order to come to court. For a XXXX XXXX credit card. That up to know did not know about. But they say they been collecting on it for 10 years. I looked on my credit report and it's not on there. Plus I never received anything from them. They sent all notices to address I have not lived at in years. When asked for information about when the card was opened address it was sent to they can not give me that information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts listed below be blocked and deleted from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any accounts resulting from identity theft or fraudulent activity must be removed from my credit report. I ask that you promptly take action to ensure that these accounts are blocked and deleted from my credit file. 
Please find the list of affected accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX # XXXX Dear Credit Bureaus, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter of discrepancy in my credit report that requires your urgent attention. 

I have recently reviewed my credit report and I have discovered several errors that are affecting my credit score. The discrepancies include outdated and inaccurate information about my payment history, incorrect account balances, and duplicates of certain accounts.

These errors have caused a significant decrease in my credit score and have made it difficult for me to obtain credit when I need it. I understand the importance of maintaining an accurate credit report and I request that you take immediate steps to correct these errors.

I have attached a copy of my credit report, highlighting the discrepancies that require your attention. I have also included documentation supporting the correction of these errors.

I request that you take necessary steps to delete the incorrect information as soon as possible. I would appreciate a prompt response to this letter and I look forward to hearing back from you soon.

Thank you for your attention to this matter. I am confident that with your cooperation, we can resolve this issue quickly and efficiently. 

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

Name : XXXX XXXX XXXX Last XXXX of XXXX Date : XX/XX/year> Bureau Name : Trans, Union Equifax XXXX Experian Bureau XXXX XXXX XXXX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.

Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit, please 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am invoking my specified remedy as the original creditor and the consumer. I have attempted to resolve this matter with Equifax by disputing incomplete/inaccurate information. Proof of this dispute can be found via USPS Certified Mail - Tracking # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and Trans Union to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX Account # XXXX Balance {$560.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$17.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$74.00} Opened XX/XX/XXXX XXXX XXXX XXXX  Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX   Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$210.00} Opened XX/XX/XXXX XXXX XXXX  XXXX Account # XXXX Balance {$1200.00} Opened XX/XX/XXXX There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Since I moved in XX/XX/2022, I started receiving magazines that I did not subscribe to both at home and at work - a federal facility. I returned the magazines to sender multiple times, and now these magazines have started sending me to collections. I tried calling and emailing he magazines directly, but end up in a loop with zero live persons. The latest notice of collections was sent to my WORK ADDRESS - again a FEDERAL PROPERTY, claiming I owe money for a rag I NEVER subscribed to. The notice came from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX, and the " creditor '' which is a complete lie, is " XXXX XXXX. '' Magazines I've been sent include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and even XXXX. I HATE CATS and i don't even own guns! Please tell me what I can do to stop this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received documentation from XXXX XXXX XXXX/XXXX on XXXX XXXX that documentation had been submitted to the bureaus to have all derogatory late payments removed as I am a military member and am protected by SCRA. I received an alert from XXXX on XX/XX/XXXX that the accounts have been updated to 120 days past due. I called and spoke with a customer service representative from XXXX on XX/XX/XXXX and was informed that my account status is showing current.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bankruptcy Court XXXX Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court # XXXX has violated my rights. 

XXXX Collections, XX/XX/XXXX, acct # XXXX, 15U.S.C. 1681 section 602A States I have the right to privacy 15U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

i had a mortgage with ocwen loan services, acct ( XXXX ). 
i had sought a modification years back and received a modification which was posted to credit report over 7 years ago. No payments were missed and account was in good standing once modification was in place. I refinanced with XXXX XXXX  XXXX ( since sold to XXXX  XXXX ) in late XXXX XXXX of 2019. Prior to refinance closing, i received a letter from PHH mortgage that they would be assuming the servicing of the Ocwen loan. 
Seeing as the refi was being completed, i felt no need to contact them. The closing occurred without a hitch and the loan was paid off in full. Two weeks subsequent to closing, i received a credit report alert that PHH has posted on my credit report that a modification had occurred. This was YEARS PAST the time the modification had occurred. this has since done significant damage to my credit score, that i worked very hard to re establish. i contact this PHH and they are of no help whatsoever. Can you please force them to remove this late, errant, false report on my credit report. 

phh mortgage XXXX XXXX XXXX XXXX XXXXl, NJ XXXX XXXX XXXX XXXX Loan number XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I had opened a Credit Card Account with Citi Card. In which they have deducted {$200.00} dollars from my Checking Account with XXXX  XXXX XXXX. 
I have received the credit card, with the {$200.00} limit, for the amount I paid them to place on my credit card credit limit. 
I used the card, and made around 3 or 4 transactions only. ( small ) I tried to place the card information on my XXXX under XXXX wallet so I contacted them, and the recording asked me to verify the information, which I did. The Representative asked me for my phone number and my name, I gave that to her. Then she asked me for a landline number, I informed her I did not have a landline, but I gave her my husbands number. 
They told me they were not able to verify my information based on this information, and it turned it into a Fraud Alert. I asked the customer service rep in the fraud department, if I could verify my information in any other way? by my social or any other way, she said no, that they would have to verify my account in this way, and they would be sending me a letter. I asked to speak with a Supervisor, and she informed me the same thing. Now my card is locked, I am not able to pay the bill or use it, I finally was able to pay my bill on XX/XX/2018, I contacted the credit card company on XXXX XXXX when my bill was due, and they told me until I receive the letter, they were not able to do anything on my account. I finally received 2 of the same letters on XX/XX/2018, and they both said the same thing. The said to contact the company because my account was being placed on a fraud alert. It did not give me any indication other than to contact the company and I did, and on the same day XX/XX/2018, I contacted the Citi Card Company, and informed me that I was supposed to receive another letter with a code on it, and I informed them, that I had not, I spoke to someone named XXXX   ( supervisor ) I asked for the Corporate Number, but she told me that she was not allowed to give me Corporates number. I told her that I needed to contact them, and I wanted to suspend this account. Again she said that there was nothing she could do to verify my information and I would have to wait on this particular letter. 
I am very fustrated about this whole ordeal, I believe Fraud on their part is happening. 
I would like to report them.
Product: Student loan

I received notice from Mohela in XX/XX/XXXX that my loans were forgiven under the PSLF program. I made a total of XXXX PSLF qualifying payments and reached XXXX payments in XX/XX/XXXX. I am entitled to a refund of payments made after the XXXX payment in XX/XX/XXXX. I made payments from XX/XX/XXXX through XX/XX/XXXX. I ascertained this information from my own records and from the records that were available on the Mohela website prior to them processing my forgiveness in XX/XX/XXXX. I recently got a notice from Mohela that my loans were forgiven as of XX/XX/XXXX. This date is incorrect. My discharge date should have been when my XXXX payment was made ( XX/XX/XXXX ). I have called Mohela and Federal Student Aid several times to get this corrected and make sure my account is triggered for a refund review. They have not been able to answer my questions. Mohela sends me to FSA, FSA sends me back to Mohela, Mohela then says its the Treasury Department and they have no information. Mohela also has not corrected the discharge date. I asked for a complete listing of what they have on record for my PSLF qualifying payments because I can not access it on the website any longer and I want to make sure that is correct since the discharge date is not correct. I have not received this information. Can you please help me to get the correct discharge date and help me with getting the refund of the payments I made from XX/XX/XXXX to XX/XX/XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX  Balance : {$310.00} ; XXXX XXXX XXXX XXXX  Balance : {$720.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of identity theft .I have unauthorized accounts that appears on my credit report I request the above accounts to be delete and removed off my XXXX , XXXX  , and Equifax credit report. Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my XXXX, Equifax, and XXXX credit report due to my identity been stolen.
Product: Credit reporting or other personal consumer reports

Company Inquires need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Noticed negative account was reported in my credit report XX/XX/. Account was for XXXX XXXX i've never opened an account with XXXX XXXX nor did I ever use their services. So this account is fraudulent and should not be on my credit report. Please removed immediately as this is improper use of my credit report and my personal information!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed a copy of my credit report and noticed a couple of fraudulent accounts that I did not open or authorize. I am a victim of identity theft and need this incorrect information removed from my credit report. It is affecting the way I live and my children. Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my XXXX Report and noticed that i had XXXX late payment on an account that i was never late for XXXX XXXX XXXX have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks